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Security report for billmatrix.com

Fiserv · Finance · United States

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

Fiserv is a global leader in financial services technology, providing innovative solutions such as BillMatrix for secure and convenient bill payments via computer, tablet, or mobile phone. The company serves a broad audience including consumers and businesses, leveraging a strong market position with over 13,000 clients worldwide. The website reflects a mature digital presence with professional design, clear navigation, and comprehensive content focused on financial technology services. Technically, the site is built on Adobe Experience Manager, integrating modern analytics and marketing tools like Google Analytics, Adobe Launch, and Evidon for cookie consent management. The site is mobile optimized and uses HTTPS, ensuring secure communications. While some security headers are not explicitly visible, the overall security posture is strong with no exposed sensitive data or vulnerabilities detected. Security-wise, the site implements privacy and cookie policies with consent mechanisms, indicating good compliance with GDPR and related regulations. However, explicit security policies and incident response contacts are not found, representing an area for improvement. The WHOIS data is unavailable due to privacy protection, which is justified given the company's size and industry. Overall, the website is trustworthy, professional, and secure, supporting Fiserv's reputation as a leading financial technology provider. Strategic recommendations include enhancing security headers, publishing security policies, and improving accessibility compliance to further strengthen the site's security and user experience.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 100 · Medium
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 Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

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

Keep watching billmatrix.com

This scan found 15 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

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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
82
Security headers
70
Email security
87
DNS health
85
Network security
100
GDPR outside view
68
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

Fiserv operates as a major financial technology provider with a focus on payment processing and banking solutions. Its BillMatrix product targets consumers and businesses needing secure, flexible bill payment options. The company benefits from a large client base and global presence, leveraging partnerships and advanced technology platforms. Revenue streams likely include software licensing, transaction fees, and service contracts. The website's integration of advanced marketing and analytics tools suggests a data-driven approach to customer engagement and growth. Fiserv's strong branding and consistent messaging reinforce its market leadership and competitive advantage in the fintech sector.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, cookie consent mechanisms, and no visible exposure of sensitive data. The absence of explicit security headers and published security policies indicates room for improvement in defense-in-depth and transparency. No vulnerabilities or malware indicators were found. The lack of incident response contact information may hinder rapid communication in case of security events. Overall, the site aligns well with industry best practices but would benefit from enhanced security documentation and header implementation to improve resilience and trust.

Recommendations

  1. Implement and enforce security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  2. Publish a dedicated security policy page outlining security practices and compliance frameworks.
  3. Provide clear incident response contact information to facilitate reporting and handling of security incidents.
  4. Conduct regular security audits and vulnerability assessments to proactively identify and remediate risks.
  5. Enhance website accessibility to meet WCAG standards, improving usability for all users.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Fiserv
Description
BillMatrix from Fiserv offers a secure, convenient way to pay bills online or via mobile devices. Fiserv is a global financial services technology company with over 13,000 clients and 22,000 associates worldwide, providing innovative solutions in mobile and online banking, payments, risk management, data analytics, and core account processing.
Key services
Bill payment processing, Mobile and online banking solutions, Payments technology, Risk management, Data analytics, Core account processing
Content quality
good
Branding
consistent

Technology

Stack
Adobe Experience Manager (AEM), Google Analytics, Google Tag Manager, Evidon Cookie Consent, Adobe Launch, Scene7 Dynamic Media
Frameworks
Adobe Experience Manager
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism implemented
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, Adobe Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Twitter Ads
Tracking pixels
Facebook Pixel
Marketing tools
Adobe Launch
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 challenge
  2. Content is professionally presented and relevant to financial services
  3. Clear contact information including emails and phone numbers provided
  4. Strong privacy and cookie policy presence with consent mechanism
  5. Use of modern marketing and analytics tools
  6. No visible security vulnerabilities or exposed sensitive data
  7. WHOIS data is unavailable, likely due to privacy protection
  8. Social media presence on major platforms (Twitter, Facebook, LinkedIn)
Technical notes

Notes

The website is built on Adobe Experience Manager, a robust enterprise CMS platform, integrating multiple third-party analytics and marketing tools including Google Analytics, Adobe Launch, and Evidon for cookie management. The site uses modern JavaScript libraries and asynchronous script loading to optimize performance. Mobile optimization is good, with responsive design elements present. SEO is supported by proper meta tags and Open Graph data. No major technical debt or outdated technologies were detected. Hosting details are not explicitly available, but the use of Adobe and Evidon services suggests enterprise-grade infrastructure. Performance is moderate, with potential for improvement through enhanced caching and resource optimization.
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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