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Security report for axi-card.pl

Easy Payment Services OOD Oddział w Polsce · Finance · Poland

Medium risk. 6 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

71/100

Risk levelMedium

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

AXI Card is a Polish financial services provider specializing in non-bank credit card products with simplified application processes and flexible credit limits. The company targets consumers seeking accessible credit solutions without the traditional banking bureaucracy. Their offerings include a MasterCard credit card with mobile app management, online application, and 24/7 customer support including personal account managers. The website is professionally designed, mobile-optimized, and provides comprehensive product information and customer support channels. Technically, the site employs modern JavaScript frameworks (Vue.js), integrates multiple marketing and tracking tools such as Google Tag Manager, SalesManago, and Cookiebot, and enforces HTTPS with CSRF protection. However, it lacks visible security headers and a published security policy or incident response plan. Privacy compliance is strong with clear cookie consent and GDPR-aligned privacy policies. The domain registration is consistent and stable, supporting the legitimacy of the business. Overall, the website presents a trustworthy and professional digital presence for a medium-sized financial services company operating in Poland.

Scanned

NIS2 and GDPR posture

GDPR outside view
40/ 100 · High
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

6 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.

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, LinkedIn, YouTube, Google APIs

      What to do: Document all third-party data sharing in your privacy policy

  2. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

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

Keep watching axi-card.pl

This scan found 18 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.

Daily monitoring

Recommended

€25per month

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

Email alerts on material changes and an exportable JSON history of every change.

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Full report

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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
40
Email security
85
DNS health
85
Network security
100
GDPR outside view
40
Average
71

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

AXI Card operates in the competitive Polish consumer finance market, offering a niche product of non-bank credit cards with streamlined approval processes. Their business model focuses on convenience, digital accessibility, and customer-centric services such as personal account managers and SMS notifications. The company leverages partnerships with payment networks (MasterCard) and uses digital marketing tools to reach and retain customers. The presence of certifications like RODO and BNB indicates regulatory compliance and trust-building efforts. The target audience is Polish consumers who prefer non-traditional credit options. The company appears to be a branch of Easy Payment Services OOD, indicating a broader corporate structure. Growth potential lies in expanding digital services and enhancing customer engagement through mobile and online platforms.

Security posture

The website demonstrates a moderate security posture with HTTPS enabled and CSRF tokens implemented, which protects user sessions and data submissions. The presence of cookie consent mechanisms aligns with privacy regulations. However, the absence of key security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options reduces defense-in-depth. No explicit security policy or incident response information is published, which may impact transparency and readiness. No vulnerabilities or exposed sensitive data were detected in the HTML content. The site uses reputable third-party scripts but should regularly audit these for vulnerabilities. Overall, the security posture is adequate but could be improved by implementing additional headers and publishing security documentation.

Recommendations

  1. Implement security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection against common web attacks.
  2. Publish a clear security policy and incident response plan on the website to improve transparency and customer trust.
  3. Add a security.txt file to facilitate responsible vulnerability disclosure and improve security communication.
  4. Regularly audit third-party scripts and dependencies to ensure no vulnerable libraries are in use.
  5. Enhance monitoring and logging capabilities to detect and respond to security incidents promptly.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Easy Payment Services OOD Oddział w Polsce
Description
AXI Card offers a non-bank credit card with a limit up to 10,000 PLN, mobile app support, online application, free card delivery, and 24/7 customer support. The card targets customers seeking flexible credit solutions without traditional bank procedures.
Key services
Credit card issuance, Mobile application for card management, Online application processing, Customer support including personal account managers, SMS notifications for transactions
Content quality
good
Branding
consistent

Technology

Stack
Google Tag Manager, Cookiebot, SalesManago, LiveHelpNow, Facebook SDK, Vue.js (inferred from templates and directives)
Frameworks
Vue.js
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • CSRF token present in meta tag
  • Cookie consent mechanism implemented

Analytics and tracking

Services
Google Tag Manager, SalesManago
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google Ads (AW-796432691)
Tracking pixels
SalesManago, Facebook Pixel
Marketing tools
SalesManago, Cookiebot, Novocall
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Content is professionally presented in Polish language targeting Polish consumers.
  3. Strong presence of privacy and cookie policies with consent mechanisms.
  4. Contact information is clearly provided with phone and email.
  5. Use of modern tracking and marketing tools with GDPR compliance.
  6. No explicit security policy or incident response information found.
  7. No security.txt or vulnerability disclosure page detected.
  8. Website uses HTTPS with CSRF token but lacks visible security headers.
  9. Business is a financial services provider offering credit cards outside traditional banks.
  10. Social media presence includes Facebook, YouTube, LinkedIn.
Technical notes

Notes

The website uses a modern front-end stack with Vue.js and Bootstrap for responsive design. It integrates multiple marketing and analytics tools such as Google Tag Manager, SalesManago, and Cookiebot for consent management. The site is mobile-optimized and includes accessibility features like contrast modes and zoom controls. Performance is moderate, with asynchronous loading of scripts to improve speed. The CMS appears custom-built or proprietary, with no common CMS detected. Hosting provider details are not explicit. The site uses HTTPS with a valid SSL certificate and includes CSRF tokens for form security. There is room for improvement in security headers and formal security documentation. Overall, the technical infrastructure supports a professional and user-friendly experience with good compliance to privacy standards.
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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