ATM & Payment Security

ATM & Payment System Security Testing

End-to-end offensive testing of ATM and payment infrastructure — jackpotting and XFS-layer defenses, EMV transactions, POS terminals, and anti-fraud systems.

Combined coverage with Serquo

Serquo's simulation proves your ATM software works to specification. Our offensive testing proves the same build cannot be turned against the bank — together covering the full pre-production cycle.

How it works
The 2026 Threat Landscape

ATMs are now one of the most active attack vectors in finance

Three trends are redefining the sector's risk: a sustained rise in ATM fraud, malware evolving toward AI capabilities, and the democratization of offensive tools through generative AI.

99%
of global ATM crime was fraudATMIA CCMIS, Q1 2026
+1,210%
growth in AI-enabled fraud in 2025Pindrop, 2026
76%
of 2025 malware is AI-polymorphicBitsight H1 2025
$5.56M
average cost of a financial-sector breachIBM, 2025

Three generations of ATM malware in twelve years

1
2013 – 2018

Manual & vendor-specific

Ploutus (Mexico, 2013) required constant physical presence and was tied to a single vendor's hardware.

2
2018 – 2023

Multi-vendor & remote

Ploutus-D operated across manufacturers via Windows, with remote activation as a vector.

3
2024 – now

Polymorphic AI & MaaS

Self-modifying code and Malware-as-a-Service (WormGPT, FraudGPT) let unskilled actors generate functional malware on demand.

The exposure window has closed

Offensive AI has compressed the time between a vulnerability's disclosure and its widespread exploitation from weeks to hours. AI systems scan ATM fleets, identify vulnerable versions, and deploy payloads in fully automated cycles. Pre-production testing is the only way to close that window before it opens.

Two disciplines, one cycle

Knowing software works and knowing it cannot be turned against the bank are two different problems

They require two different disciplines. Together, Serquo and Vigilis Defense cover the full pre-production security cycle — without a handoff gap in between.

Serquo — Simulation

Automated verification at scale

  • Full-stack ATM software simulation
  • XFS layer & authorization interfaces
  • Card transaction flow validation
  • Repeatable regression across the fleet
+
Vigilis Defense — Offensive

Adversarial testing of the same build

  • Jackpotting & XFS-interface abuse
  • Command injection & relay / MITM attacks
  • Gold-image integrity verification
  • Physical-logical access review

Simulation proves the software is correct. Offensive testing proves it is safe.

Framework of recommendation

Eight controls every ATM operator should have before deployment

A concrete pre-production checklist, drawn from the joint white paper.

Strategic partnership
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Two specialised firms combining automated simulation and offensive techniques to give financial institutions what they have never had before: proof that their ATM software not only works — but cannot be broken.

Automated verification tools are the surest way to guarantee the integrity of installed applications and that they are configured correctly.

Zdravko Zdravkov — CTO & Lead Researcher, Vigilis Defense

EMV Chip Testing

EMV / ISO 7816 Transaction Testing

We perform comprehensive testing of chip card transaction flows, validating every step from card insertion to authorization response.

  • ✓ Full EMV transaction lifecycle testing
  • ✓ Cryptogram generation and validation (ARQC/TC/AAC)
  • ✓ PIN verification mechanism assessment
  • ✓ Contactless (NFC) protocol conformance testing
  • ✓ Key management and certificate chain review
  • ✓ Application selection (PSE/PPSE) verification
  • ✓ Script processing and issuer command testing
POS Terminal Security Assessment

POS Terminal Security Assessment

Physical and digital security evaluation of point-of-sale terminals to identify tampering, communication vulnerabilities, and firmware weaknesses.

  • ✓ Physical inspection for skimmers and shimmers
  • ✓ Communication channel security (TLS, serial, Bluetooth, NFC)
  • ✓ Firmware extraction and reverse engineering
  • ✓ PIN pad security and encryption validation
  • ✓ Tamper detection mechanism testing
  • ✓ Supply chain integrity verification
  • ✓ PCI PTS compliance validation

Card & Payment Forensics

Advanced investigation capabilities for payment systems, network communication, and ATM infrastructure.

Transaction Communication Testing

End-to-end analysis of payment communication channels between terminals, acquirers, and issuing banks.

  • ✓ TLS/SSL channel inspection
  • ✓ Serial/Bluetooth/NFC protocol analysis
  • ✓ Man-in-the-middle vulnerability testing
  • ✓ Relay attack simulation
  • ✓ Host-to-host message integrity

ATM Security Assessment

Comprehensive ATM security testing including jackpotting defenses, black box attacks, and network communication analysis.

  • ✓ Jackpotting defense evaluation
  • ✓ XFS interface security testing
  • ✓ Network segmentation validation
  • ✓ Physical access control review
  • ✓ Software integrity verification
YARA Rules and AntiFraud

YARA Rules & AntiFraud Systems

Custom detection rule development for identifying fraudulent transactions, suspicious patterns, and emerging threat indicators.

  • ✓ Custom YARA rule development for fraud patterns
  • ✓ Transaction anomaly detection rules
  • ✓ Integration with existing SIEM platforms
  • ✓ Real-time alert configuration
  • ✓ False positive rate optimization
  • ✓ Threat intelligence feed integration
  • ✓ Compliance reporting automation
AI anti-fraud models

AI Anti-Card-Fraud Models

Development and implementation of machine learning models designed to detect card fraud in real-time with minimal false positives.

  • ✓ Custom ML model training on transaction data
  • ✓ Real-time fraud scoring engine development
  • ✓ Behavioral analytics and user profiling
  • ✓ Anomaly detection using neural networks
  • ✓ Model integration into existing fraud platforms
  • ✓ A/B testing and model performance optimization
  • ✓ Synthetic data generation for training

Secure Your Payment Infrastructure

Contact our team for a comprehensive security assessment of your banking and payment systems.

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