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Security report for cembrapay.ch

CembraPay AG · Finance · Switzerland

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

Security score

68/100

Risk levelMedium

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

CembraPay AG is a Swiss financial services company specializing in flexible payment solutions such as invoice purchase, installment payments, monthly billing, and digital wallets. It is a leading provider in the Swiss market, formed from the merger of Swissbilling and Byjuno, and operates under the umbrella of the publicly listed Cembra Bank AG. The website targets both consumers and merchants in Switzerland, offering secure and convenient payment options. The business model focuses on risk-free payment facilitation for merchants and flexible payment options for consumers. The company maintains a professional online presence with clear branding and comprehensive service descriptions. Technically, the website employs modern web standards including HTML5, CSS3, and JavaScript, with integration of Google reCAPTCHA v3 for spam protection. The site is mobile-optimized and provides a good user experience with clear navigation and relevant content. However, some security best practices such as explicit security headers and published security policies are not evident from the data provided. From a security perspective, the site uses HTTPS and implements anti-spam measures but lacks visible security headers and formal incident response information. No vulnerabilities or suspicious content were detected. Privacy compliance is strong with accessible privacy and cookie policies and GDPR adherence. Contact information is transparent and comprehensive, enhancing trust. Overall, CembraPay AG presents a trustworthy and professional digital presence consistent with its market position. Recommendations include enhancing security headers, publishing a security policy and incident response contacts, and improving accessibility features to further strengthen compliance and security posture.

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

Keep watching cembrapay.ch

This scan found 24 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
77
Security headers
25
Email security
75
DNS health
80
Network security
100
GDPR outside view
53
Average
68

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 AG holds a strong market position as a leading Swiss payment solution provider, leveraging its heritage from Swissbilling and Byjuno and backing from the publicly listed Cembra Bank AG. Its competitive advantage lies in offering flexible, risk-free payment options that appeal to both consumers and merchants. The business model generates revenue through payment facilitation and financing services. Target customers include Swiss consumers seeking flexible payment methods and merchants desiring seamless payment processing without risk. The company’s partnership ecosystem includes its parent company and subsidiaries, enhancing its service portfolio. Growth indicators include a comprehensive FAQ, multilingual support, and integration of modern web technologies. Strategic observations suggest continued focus on digital transformation and compliance to maintain market leadership.

Security posture

CembraPay AG demonstrates a moderate security maturity level with HTTPS enforced and Google reCAPTCHA implemented to protect forms from spam. However, the absence of visible security headers such as Content Security Policy, HSTS, and X-Frame-Options indicates room for improvement. No explicit security or incident response policies are published, which could hinder rapid response to security incidents. Data protection practices appear aligned with GDPR, supported by comprehensive privacy and cookie policies. The site does not expose sensitive data or use vulnerable libraries based on the provided data. Overall, the security posture is adequate for the business type but would benefit from formalized policies and enhanced technical controls.

Recommendations

  1. Implement and enforce security headers including CSP, HSTS, and X-Frame-Options to mitigate common web vulnerabilities.
  2. Publish a formal security policy and incident response contact information to improve transparency and readiness.
  3. Conduct regular security audits and vulnerability assessments to identify and remediate potential risks.
  4. Enhance accessibility features to comply with standards and improve user experience for all visitors.
  5. Maintain and regularly update privacy and cookie policies to ensure ongoing GDPR compliance and user trust.

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 den Kauf auf Rechnung, den Kauf auf Raten, die Monatsrechnung und das Wallet. Als führender Anbieter von Rechnungskauflösungen in der Schweiz bietet CembraPay eine breite Palette moderner Zahlungs- und Finanzierungsmöglichkeiten an. Entstanden aus der Verbindung von Swissbilling und Byjuno, gehört CembraPay 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
70/100
Good practices seen
  • Use of Google reCAPTCHA v3 for form spam protection
  • HTTPS usage implied by URL scheme

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 business focus.
  3. Multiple contact methods including phone, email, and detailed contact forms.
  4. Strong emphasis on payment solutions tailored for Swiss consumers and merchants.
  5. No signs of suspicious or malicious content.
  6. Use of Google reCAPTCHA for spam prevention on forms.
  7. No explicit security policy or incident response information publicly available.
  8. No visible security headers detected in provided data.
  9. Cookie consent banner present with clear explanation of cookie usage.
  10. Privacy policy and terms of service are comprehensive and easily accessible.
Technical notes

Notes

The website is built using standard web technologies including HTML5, CSS3, and JavaScript, with modular JavaScript for cookie management and layout. Google reCAPTCHA v3 is integrated for spam prevention. The site is mobile-optimized with responsive design and includes meta tags for SEO. Performance is moderate with no explicit indicators of slow loading or technical debt. No CMS or hosting provider is explicitly identified. Accessibility is basic but could be improved. The technical infrastructure supports the business needs effectively but would benefit from enhanced security configurations and formalized technical documentation.
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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