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Security report for byjuno.ch

CembraPay AG · Finance · Switzerland

Medium risk. 5 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

67/100

Risk levelMedium

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

CembraPay AG is a leading Swiss financial services company specializing in flexible payment solutions such as invoice purchase, installment payments, monthly billing, and digital wallets. It operates primarily in the Swiss market, targeting both consumers and merchants, and is a subsidiary of the publicly listed Cembra Money Bank AG. The website presents a professional and user-friendly interface with clear navigation and multilingual support, reflecting a mature digital presence. Technically, the site employs modern web standards and integrates Google reCAPTCHA v3 to secure its contact forms, indicating a good level of security awareness. However, there is room for improvement in implementing comprehensive security headers and publishing explicit security policies. Overall, the site is secure, compliant with GDPR, and trustworthy, supported by consistent WHOIS data and transparent contact information.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 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

5 findings rated critical or high. Fix these first.

  1. 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';…

  2. GDPR outside view

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

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • 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

  3. 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

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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
72
Security headers
25
Email security
70
DNS health
80
Network security
100
GDPR outside view
53
Average
67

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

CembraPay holds a strong market position in Switzerland as a provider of invoice and installment payment solutions, leveraging its connection to Cembra Money Bank AG to build trust and credibility. Its business model focuses on enabling merchants to offer risk-free payment options to customers, enhancing sales flexibility. The company targets both end consumers and merchants, with tailored communication channels and forms. The website content and structure support this dual audience effectively. The presence of a detailed FAQ and multiple contact forms indicates a customer-centric approach. The company’s listing on the SIX Swiss Exchange and clear branding further reinforce its market legitimacy and growth potential.

Security posture

The website demonstrates a solid security posture with enforced HTTPS and integration of Google reCAPTCHA v3 to mitigate automated abuse of contact forms. No exposed sensitive data or vulnerable libraries were detected in the provided content. However, the absence of visible security headers such as Content-Security-Policy and X-Frame-Options suggests potential enhancements to harden the site against common web attacks. There is no publicly available security policy or incident response contact, which could be improved to enhance transparency and readiness. No vulnerability disclosure or security.txt file was found, which is a missed opportunity for responsible vulnerability management. Overall, the security posture is good but could benefit from additional best practices.

Recommendations

  1. Implement and verify HTTP security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to improve protection against common web vulnerabilities.
  2. Publish a clear security policy and incident response contact information on the website to increase transparency and facilitate responsible vulnerability reporting.
  3. Consider adding a vulnerability disclosure program or security.txt file to encourage ethical security research and timely remediation.
  4. Enhance accessibility features to improve compliance and user experience for all visitors.
  5. Regularly audit third-party scripts and dependencies to ensure no vulnerable libraries are introduced.

Contact details published on the site

Addresses
Legal name
CembraPay AG
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
CembraPay AG
Description
CembraPay bietet einfache und flexible Zahlungslösungen wie Kauf auf Rechnung, Kauf auf Raten, Monatsrechnung und Wallet. Das Unternehmen ist ein führender Anbieter von Rechnungskauflösungen in der Schweiz und gehört zur unabhängigen Schweizer Bank Cembra, die seit 2013 an der SIX Swiss Exchange kotiert ist.
Key services
Kauf auf Rechnung, Kauf auf Raten, Monatsrechnung, Wallet
Content quality
good
Branding
consistent

Technology

Stack
HTML5, CSS3, JavaScript, Google reCAPTCHA v3
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of Google reCAPTCHA v3 for forms
  • No exposed sensitive data in HTML

Analytics and tracking

Tracking level
minimal
Privacy practices
good

Advertising

Tracking pixels
Google reCAPTCHA
Transparency
basic

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 German with clear navigation and multiple language options.
  3. Multiple contact forms tailored for consumers, dealers, media, and sales inquiries.
  4. Strong focus on flexible payment solutions for Swiss consumers and merchants.
  5. Use of Google reCAPTCHA v3 enhances form security and bot protection.
  6. Privacy and cookie policies are present and GDPR compliant.
  7. No explicit security policy or incident response information found.
  8. No visible security headers detected in provided data; potential area for improvement.
  9. No vulnerability disclosure or security.txt file found.
  10. Company is a subsidiary of a publicly listed Swiss bank, enhancing trust.
Technical notes

Notes

The website uses modern HTML5, CSS3, and JavaScript technologies with modular JavaScript imports. Google reCAPTCHA v3 is integrated for bot protection on forms. The site is mobile optimized with responsive design and clear navigation. Performance is moderate, with no explicit CMS detected. The hosting provider and infrastructure details are not disclosed. SEO is supported by proper meta tags and multilingual support. Accessibility is basic but could be improved. No major technical debt or outdated technologies were observed. Overall, the technical implementation supports a professional and secure user experience.
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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