Venmo PCI DSS, AML & Vendor Risk Report

Recommended Actions

Steps to address findings for Venmo

1. 1

   URGENT (within 5 days): Contact Venmo's technical or security team to confirm the venmo.com TLS certificate renewal is queued before the April 11, 2026 expiry. Ask for written confirmation or a renewal ticket reference number and record it in your vendor risk register.

   SSL Labs TestNIST Supply Chain Risk (SP 800-161)
2. 2

   HIGH PRIORITY (within 2 weeks): Manually review the subprocessor list at https://venmo.com/security/subprocessors and document each named subprocessor. Cross-reference against OFAC's SDN list at sanctionssearch.ofac.treas.gov. Retain findings with reviewer signature for SOC 2 CC9.2 evidence.

   SOC 2 Overview (AICPA)GDPR Subprocessor Rules
3. 3

   HIGH PRIORITY (within 30 days): Request Venmo's SOC 2 Type II report — contact their security team via https://venmo.com/security or check trust.venmo.com for a self-service download. Ask specifically for the most recent Type II report and a bridge letter covering any gap period. This is the single most impactful document for establishing third-party assurance.

   SOC 2 Overview (AICPA)
4. 4

   MEDIUM PRIORITY (within 30 days): Submit a written inquiry to Venmo's privacy or legal team requesting disclosure of AI data handling practices, including training data usage, retention periods, and third-party AI providers. Retain the response for your AI risk register.

5. 5

   MEDIUM PRIORITY (within 30 days): Perform a supplemental HTTP security header scan against app.venmo.com using securityheaders.com and document whether the application endpoint has stronger protections than the marketing site. Record findings alongside the rf-4 finding in your risk register.

6. 6

   STANDARD (within 60 days): Manually verify HITRUST certification status directly with Venmo or the HITRUST Alliance (directory.hitrustalliance.net). A possible directory match was detected but could not be confirmed — if HITRUST certification is confirmed, this is a meaningful positive signal for healthcare or regulated data contexts.

7. 7

   STANDARD (at next review cycle): If your organization's SOC 2 audit boundary includes Venmo as an in-scope subservice organization, document the complementary user entity controls (CUECs) your organization is responsible for — particularly around access provisioning, monitoring of Venmo account activity, and incident response coordination.

   SOC 2 Overview (AICPA)NIST Incident Response Guide

• Web archive history was unavailable during this assessment, limiting the ability to independently confirm Venmo's domain establishment timeline beyond WHOIS registration data.
• Automated parsing of the subprocessor page at venmo.com returned zero entries, preventing programmatic evaluation of Venmo's third-party supply chain. The page exists but requires manual review.
• External cyber risk scoring was not available during this assessment, limiting the ability to benchmark Venmo's cyber posture against the SaaS industry average score of 76.
• URLhaus blacklist verification was not available during this assessment; however, Malware detection service, IP reputation, and web security scanning service all returned clean results, providing sufficient alternative coverage.
• The HTTP Observatory scan was conducted against the marketing domain (venmo.com) rather than the authenticated application endpoint (app.venmo.com). Security header posture for the application environment may differ and was not assessed in this investigation.
• SOC 2 reports are confidential documents with no public registry — the absence of a SOC 2 claim on Venmo's trust pages cannot distinguish between 'no report exists' and 'report exists but is not publicly promoted.' Direct vendor request is required to resolve this uncertainty.