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Security report for arcapay.com

ArcaPay UAB · Finance · Lithuania

Low risk. 2 critical or high findings in GDPR outside view and SSL/TLS.

Security score

82/100

Risk levelLow

0–100, higher is better. How it is calculated

ArcaPay UAB is a Lithuania-based financial services company specializing in foreign exchange and international B2B payment solutions. Established in 2011 and authorized by the Bank of Lithuania, ArcaPay offers competitive currency conversion, international payments, and FX risk management services tailored for businesses engaged in cross-border trade. Their platform emphasizes efficiency, cost savings, and regulatory compliance, positioning them as a trusted player in the European FX payment market. The website reflects a mature digital presence with clear service descriptions, user-friendly forms, and multilingual support.

Scanned

NIS2 and GDPR posture

GDPR outside view
80/ 100 · Low
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

2 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  2. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

Need hands-on remediation? Email guard@offseq.com

Keep watching arcapay.com

This scan found 16 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
75
Security headers
85
Email security
75
DNS health
75
Network security
100
GDPR outside view
80
Average
82

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

ArcaPay operates a B2B business model focused on providing smart, cost-effective FX and payment solutions to international businesses. Their competitive advantage lies in superior exchange rates, fast transaction processing, and a network of banking partners enabling payments to over 100 countries in 60+ currencies. The company leverages digital tools such as online calculators, batch payments, and sanctions checking services to enhance client experience. Their regulatory compliance and authorization by the Bank of Lithuania enhance trust and market credibility. The presence of social media channels and a demo request option indicates active customer engagement and growth orientation.

Security posture

The website demonstrates a solid security posture with HTTPS enforcement, CSRF protection on forms, integration of Google reCAPTCHA to prevent automated abuse, and references to advanced data encryption and regular audits. Security headers such as Content-Security-Policy and Strict-Transport-Security are present, enhancing protection against common web attacks. However, the absence of a public incident response policy or vulnerability disclosure program represents a gap in transparency and readiness. No exposed sensitive data or vulnerable libraries were detected, indicating good operational security hygiene.

Recommendations

  1. Implement a visible cookie consent banner to ensure full compliance with EU cookie regulations.
  2. Publish an incident response policy and provide a dedicated security contact email to improve transparency and trust.
  3. Add a vulnerability disclosure or security.txt file to encourage responsible reporting of security issues.
  4. Enhance accessibility features to improve compliance with accessibility standards and broaden user inclusivity.
  5. Consider obtaining and displaying additional security certifications or compliance badges to strengthen trust signals.

Contact details published on the site

Addresses
Legal name
ArcaPay UAB
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
ArcaPay UAB
Description
ArcaPay offers efficient solutions for cross-border payments, currency exchange and risk management. We specialise in business-to-business (B2B) transactions.
Key services
Currency conversion, International payments, FX risk management, Batch payments
Content quality
good
Branding
consistent

Technology

Stack
Google Analytics, Google Tag Manager, reCAPTCHA, Hotjar, jQuery, Bootstrap
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • CSRF tokens in forms
  • Use of reCAPTCHA for bot prevention
  • Data encryption mentioned
  • Regularly audited technology

Analytics and tracking

Services
Google Analytics, Hotjar
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google Ads
Tracking pixels
Hotjar
Transparency
good

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is professionally designed and content-rich.
  2. Strong regulatory compliance signals including Bank of Lithuania authorization and GDPR compliance.
  3. Multiple user-facing forms with CSRF protection and reCAPTCHA integration.
  4. No explicit cookie consent banner detected, which may be a compliance gap.
  5. Use of modern analytics and marketing tools with moderate user tracking.
  6. Clear business focus on B2B FX and international payment services.
  7. No visible security vulnerabilities or exposed sensitive data in the HTML.
  8. Social media presence on Facebook, X (Twitter), and LinkedIn.
  9. Contact information includes physical address in Lithuania and contact forms.
  10. No incident response or vulnerability disclosure information found.
Technical notes

Notes

The website uses a modern technology stack including Bootstrap for responsive design, jQuery for interactivity, and integrates multiple third-party services such as Google Analytics, Google Tag Manager, Hotjar, and Google reCAPTCHA. The HTML structure is valid and SEO optimized with appropriate meta tags and Open Graph data. Performance is moderate with asynchronous loading of scripts and optimized images. Mobile optimization is good, supporting multiple languages and device sizes. The site lacks a detected CMS, suggesting a custom or proprietary platform. Overall, the technical infrastructure supports a professional and secure user experience with room for enhancements in accessibility and cookie compliance.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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