CPA firms that understand PCI DSS overlap, sponsor bank vendor management, AML/KYC vendor chains, custody controls, and why financial-services procurement scrutinizes scope boundaries.
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For FinTech teams, Thoropass bundles SOC 2 with PCI DSS and ISO 27001 from $15K, Schellman fits sponsor-bank and regulated-payment scope from $20K, and KirkpatrickPrice covers SOC 2 plus PCI from $12K. We track 38 matching firms; listed timelines start at 1 week.
Compare sponsored firms with the FinTech picks for SOC 2 plus PCI, regulated payments, multi-framework scope, affordable PCI overlap, and VC-backed insurtech.
Zero Day CPA fits FinTech SOC 2 + in-house penetration testing: every audit manager brings at least five years at a Big Four or major national firm, with in-house penetration testing.
360 Advanced fits FinTech SOC 2 + multi-framework scope: coordinates shared evidence across frameworks, including an ANAB-accredited ISO 27001 certification body and a FedRAMP-listed 3PAO.
Thoropass is the pick for FinTech bundling SOC 2 with PCI DSS and ISO 27001 under one CPA. Owns the GRC platform, services FinTech as a primary industry, and shares PCI and SOC 2 evidence under a single engagement at fixed-fee pricing.
Schellman is the pick for enterprise FinTech, government-regulated payments, and sponsor-bank-facing vendors. Deep Financial Services practice, Top 50 CPA, DoD FCL, and a brand recognized by sponsor banks and regulators.
A-LIGN is the pick for multi-framework FinTech engagements that span SOC 2, PCI DSS, ISO 27001, and HITRUST. One of the highest-volume US SOC 2 practices runs every major framework under one engagement.
KirkpatrickPrice is the pick for affordable FinTech audits that need PCI DSS coverage alongside SOC 2. Licensed CPA, $12K floor, and SOC 1/2/3 plus PCI DSS and HITRUST under one roof.
Sensiba LLP is the pick for VC-backed insurtech and Bay Area FinTech that wants a B Corp CPA on the cover. Drata, Vanta, Secureframe, and Sprinto partnerships, with FinTech and Insurtech named in scope.
| Use case | Firm | From price | Timeline |
|---|---|---|---|
| FinTech SOC 2 + in-house penetration testing | Zero Day CPA | $7k | 2–6 wk |
| FinTech SOC 2 + multi-framework scope | 360 Advanced | $15k | 3–12 wk |
| FinTech bundling SOC 2 + PCI DSS + ISO 27001 under one CPA | Thoropass | $15k | 2–9 wk |
| enterprise FinTech with FedRAMP or government-regulated payments | Schellman | $20k | 3–12 wk |
| multi-framework FinTech (SOC 2 + PCI + ISO 27001 + HITRUST) | A-LIGN | $15k | 3–12 wk |
| affordable FinTech audit under $20K with PCI DSS coverage | KirkpatrickPrice | $12k | 3–8 wk |
| VC-backed insurtech or Bay Area FinTech | Sensiba LLP | $20k | 4–10 wk |
A FinTech company should shortlist a CPA firm that can coordinate SOC 2 evidence with PCI DSS without confusing the two standards. Thoropass, A-LIGN, and KirkpatrickPrice are practical starting points because their listed capabilities cover both programs, with Type 2 entry pricing from $12K to $15K before PCI scope is added.
PCI DSS is mandatory when the system stores, processes, or transmits cardholder data; SOC 2 does not replace it. The efficiency comes from mapping shared access, encryption, logging, change-management, and vendor evidence once. Ask who signs the SOC 2 report, who performs the PCI work, whether the teams share evidence, and how the cardholder data environment changes the quote. Our PCI QSA and SOC 2 overlap list narrows the search to firms with both capabilities.
Sponsor-bank-facing FinTech teams should ask whether the auditor has handled bank vendor-management review, which Trust Services Criteria the bank expects, and whether a Type 1 will be accepted while Type 2 evidence accumulates. Schellman is the clearest enterprise pick here, with listed pricing from $20K and timelines beginning at three weeks.
Do not treat the bank's requirement as a generic request for a SOC 2 logo. Confirm the required observation period, renewal cadence, system boundary, subservice organizations, and any supplemental questionnaire before signing the engagement. BaaS, lending, embedded-finance, and PayFac models often depend on processors, KYC providers, sponsor-bank integrations, and fraud systems that need explicit treatment in the system description. The broader SOC 2 for FinTech guide explains the preparation path; this page is the auditor shortlist.
Custody architecture, key management, AML/KYC vendors, and transaction-monitoring systems affect SOC 2 when they support commitments made to customers or banking partners. A specialist auditor should decide early which systems sit inside the boundary, which are subservice organizations, and which controls belong under Security or Processing Integrity.
Crypto and digital-asset businesses should document wallet custody, HSM usage, key ceremonies, privileged access, and recovery procedures before observation begins. Payments and lending companies need equivalent clarity around transaction monitoring, fraud escalation, model or rule changes, and outsourced identity verification. This does not turn SOC 2 into a financial-regulatory examination, but it makes the report's scope credible to the people using it.
SOC 2 can supply reusable evidence for NYDFS Part 500, the GLBA Safeguards Rule, and FFIEC-aligned bank review, but it does not satisfy those obligations by itself. FinTech buyers should choose an auditor that can identify control overlap while clearly separating the CPA attestation from regulatory requirements and management responsibilities.
Specific encryption, incident-reporting, penetration-testing, governance, and risk-assessment duties may go beyond the Trust Services Criteria selected for the report. Build a control map before fieldwork and identify the evidence owner for each obligation. That approach prevents a clean SOC 2 report from creating false confidence about a separate regulatory gap, while still reducing duplicate implementation and testing work.
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Sorted by editorial rank. All firms below have documented experience with FinTech, payments, banking, finance, or insurtech scope in the directory data.
Type 1 and Type 2 figures reflect a mix of firm-confirmed numbers, public sources, and our own estimates, refreshed periodically. Actual cost depends on company size, scope, and Trust Service Criteria.
Featured firms pay to appear first. Every firm here qualified on editorial fit; payment cannot add a firm or change its facts.
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FinTech audits fail when cardholder data, banking partners, custody models, or fraud controls are treated like generic SaaS controls.
The right auditor defines boundary questions before observation starts, especially if PCI, GLBA, NYDFS, FFIEC, or sponsor-bank review is part of the buyer path.
| Factor | FinTech-specialised | Generalist |
|---|---|---|
| PCI overlap | Mapped to SOC 2 evidence | Separate QSA path |
| Sponsor bank review | Expected | Often unfamiliar |
| Custody / HSM | Scoped explicitly | May be underspecified |
| AML/KYC vendors | Vendor-risk evidence planned | Generic vendor list |
| Best fit | Payments, BaaS, lending, crypto | Simple SaaS billing tools |
Five FinTech-specific areas that should be settled before fieldwork, not discovered during sampling.
If your product touches card data, tokenized payment flows, or gateway integrations, the auditor should map PCI and SOC 2 evidence before fieldwork starts.
BaaS and embedded-finance teams need evidence that satisfies sponsor bank oversight, not just a generic security questionnaire.
Key custody, wallet controls, HSM usage, and privileged access need documentation at a level general SaaS audits rarely require.
Fraud and monitoring tools often become processing integrity or security evidence, depending on product commitments and buyer expectations.
NYDFS, GLBA, FFIEC, PCI, and ISO 27001 do not replace SOC 2, but the evidence overlaps when the engagement is planned correctly.
FinTech scope starts near $7K for Type 2 and rises when PCI, crypto custody, sponsor-bank oversight, or multiple Trust Service Criteria are in scope.
$15-70K
$5-35K
$8-20K
200-450 hrs
Five questions specific to sponsor banks, PCI DSS, financial-services regulations, specialist scope, and FinTech audit cost.
SOC 2 reports must be issued by licensed Certified Public Accountants under AICPA standards. PCI, ISO, and readiness services can support the engagement, but they do not replace the CPA attestation.
Confirm PCI DSS, sponsor-bank, and regulatory overlap before signing. A cheap generic audit can become expensive if the cardholder data boundary or banking partner evidence is wrong.
Pricing estimates and timelines are approximations based on public information and submitted data. Actual cost varies by transaction flow, regulatory overlay, scope, and control maturity.
Tell us your payment flow, sponsor-bank status, PCI scope, and deadline. We send it to FinTech-fluent firms that can price the actual scope.
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