How Payabli approaches fintech security to support SaaS platforms embedding payments at scale.
Written by Emilio Sepulveda
When you’re building embedded payments for vertical SaaS platforms moving millions of dollars, security testing isn’t optional. It’s the basis of trust between your platform, your customers, and the people using it every day. That’s why, when I joined Payabli a few months ago, I was immediately impressed with how seriously security testing is taken here.
Payabli’s dedication to continuous security testing, talking about issues openly, and just the general seriousness about security is a huge deal. It’s absolutely vital in the payments world, and it’s a major win for a team this size.
What also became clear is how heavy a constant stream of security findings can feel for a small, fast-moving engineering team. Even when testing is working as intended, the volume and timing of findings can turn useful signals into noise – landing outside of sprint planning, breaking focus, and arriving without the context needed to move quickly.
The challenge is not security testing itself – it’s how that testing fits into day to day engineering work.
When continuous testing creates friction
Continuous security testing is powerful, but without structure it can create unintended friction for engineering teams:
- Findings arrive with little predictability
- Engineers are pulled into constant alert triage
- Remediation work lands outside of planned sprints
- High-impact findings compete with low-value noise
Over time, this makes it harder to focus on the work that actually reduces risk. And for SaaS platforms embedding payments, this friction doesn’t stay internal. It shows up as delayed launches, last-minute fixes, and surprise issues at the worst possible time.
The challenge isn’t security testing itself – it’s how that testing integrates with how products are built.
How we’re maturing our fintech security testing
We continue to run continuous security testing at Payabli, but we’ve changed how it shows up for engineering – and, in turn, for our SaaS partners.
Instead of testing everything all the time without context, we focus security testing on what teams are actively building. Assets, endpoints, and APIs are clearly defined and owned, and testing is mapped directly to that inventory. This ensures findings arrive with context, accountability, and clear remediation paths.
Security testing is planned around engineering sprint cycles. Teams know what is being tested, when it’s happening, and why it matters. Expectations are set in advance, and findings are reviewed together with shared understanding of impact and priority.
This approach keeps security testing continuous while making it predictable. Engineers can plan fixes, absorb findings, and reduce risk without disrupting existing workflows. For SaaS platforms leveraging Payabli’s embedded payments infrastructure, that predictability translates directly into fewer surprises and a more resilient platform.
Why this alignment matters
Effective fintech security programs ensure SaaS platforms can scale payments confidently, without compliance friction or unexpected risk. When security testing aligns with how engineers plan and build, everything works better:
- Remediation can be scheduled instead of rushed
- High confidence findings stand out clearly
- Alert fatigue is reduced
- Security feels like support, not interruption
Most importantly, risk is addressed earlier – while features are being built, not weeks before launch. That means fewer last-minute issues, smoother audits, and greater confidence as platforms scale.
The outcome
Security testing that scales isn’t about running more scans or generating more findings. It’s about focusing on impact instead of volume.
By reducing noise and aligning timing and context, security testing becomes something engineering teams rely on – not something they work around. Engineers stay focused, risk is reduced earlier, and Payabli can scale security in a way that strengthens engineering velocity rather than slowing it down.
For the SaaS platforms we partner with, this means working with an embedded payments provider whose security program is mature, transparent, and built to scale alongside your growth.