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Security report for clearpay.co.uk

Afterpay / Clearpay · Finance · United Kingdom

Medium risk. 6 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

Clearpay UK operates as the regional brand of Afterpay, providing buy now pay later payment solutions integrated with retail stores. The website serves as a country and language selection portal directing users to localized Afterpay/Clearpay services. The business is positioned as a leading BNPL provider in the UK and internationally, targeting consumers seeking flexible payment options. The website content is professional, consistent, and focused on financial services without extraneous or adult content. Technically, the site is built on modern web technologies including Next.js and React, with extensive use of third-party marketing and analytics tools such as Google Tag Manager, Marketo, Facebook Pixel, and AppsFlyer. The site is mobile optimized and performs moderately well, with good SEO and accessibility basics. Security posture is strong with HTTPS and Content Security Policy implemented, though some additional security headers could enhance protection. No WHOIS data was available due to a query error related to the subdomain usage, but the domain is a known and legitimate brand. No privacy or cookie policies were found on this specific page, nor contact information, which slightly reduces privacy compliance and business credibility scores. No security vulnerabilities or adult content were detected, and no WAF or blocking mechanisms were present. Overall, the website is a secure, professional, and trustworthy portal for Clearpay/Afterpay services with room for improvement in privacy transparency and contact availability.

Scanned

NIS2 and GDPR posture

GDPR outside view
35/ 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. 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"

  2. GDPR outside view

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

    • 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

      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

    • High

      Third-party services without privacy policy

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

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

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

Keep watching clearpay.co.uk

This scan found 21 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
45
Email security
85
DNS health
70
Network security
100
GDPR outside view
35
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

Clearpay UK is part of the Afterpay group, a major player in the buy now pay later financial services sector. The business model revolves around providing payment solutions integrated with retail partners, enabling consumers to split payments over time. The company targets consumers in multiple countries with localized brands and websites. The partnership ecosystem includes Afterpay.com and various marketing and analytics service providers. The website reflects a mature digital presence with strong branding consistency and extensive use of marketing technologies. Revenue streams likely include merchant fees and consumer financing charges. The lack of direct contact information on this page suggests a focus on self-service and partner integration rather than direct customer support here.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and a Content Security Policy in place. No exposed sensitive data or vulnerable libraries were detected in the HTML content. The use of multiple third-party scripts introduces some risk, but these are industry-standard marketing and analytics tools. The absence of additional security headers such as X-Frame-Options and Strict-Transport-Security is a minor gap. No incident response or security policy information was found on this page, indicating potential areas for improvement in transparency and readiness. Overall, the site is secure for users but could benefit from enhanced security header implementation and published security policies.

Recommendations

  1. Publish clear privacy and cookie policies accessible from all pages to improve privacy compliance.
  2. Add visible contact information including support emails and phone numbers to enhance business credibility.
  3. Implement additional security headers such as X-Frame-Options, X-XSS-Protection, and Strict-Transport-Security.
  4. Regularly audit and monitor third-party scripts for security and privacy compliance.
  5. Consider publishing a security policy and incident response contact information to improve transparency and trust.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Afterpay / Clearpay
Description
Afterpay is fully integrated with all your favorite stores. Shop as usual, then choose Afterpay as your payment method at checkout. First-time customers complete a quick registration, returning customers simply log in.
Key services
Buy now pay later payment processing, Customer registration and login, International regional support
Content quality
good
Branding
consistent

Technology

Stack
React (Next.js), Google Tag Manager, Marketo Munchkin, Facebook Pixel, AppsFlyer SDK, Amplitude, Typeform embed, Vimeo player
Frameworks
Next.js
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Content Security Policy implemented
  • No exposed sensitive data in HTML
  • Use of async/defer scripts

Analytics and tracking

Services
Google Analytics, Amplitude, Marketo Munchkin, AppsFlyer, TikTok Analytics
Tracking level
extensive
Privacy practices
basic

Advertising

Ad networks
Google Ads, Bizible, Rakuten Marketing, Amplitude, TikTok Analytics, Snapchat Ads, Pinterest Ads
Tracking pixels
Facebook Pixel, Marketo Munchkin, Amplitude, AppsFlyer
Marketing tools
Marketo, Clearbit, Demandbase
Transparency
good

Site quality

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

Key observations

  1. Website is accessible with full content and no blocking detected.
  2. No WHOIS data available due to query error but domain is known and legitimate.
  3. No privacy, cookie, or terms of service pages detected on this specific page.
  4. No contact emails, phone numbers, or physical addresses found on this page.
  5. Extensive use of third-party marketing and analytics scripts.
  6. Good security posture with HTTPS and CSP but missing some security headers.
  7. No forms present on this page; no personal data collection observed here.
  8. Content is focused on country selection for Afterpay/Clearpay services.
  9. No adult or questionable content detected; safe for general audiences.
Technical notes

Notes

The website is built using Next.js, a React-based framework, indicating a modern and scalable infrastructure. It leverages multiple third-party marketing and analytics services, including Marketo, Facebook Pixel, Google Tag Manager, AppsFlyer, and Amplitude, which provide extensive user tracking and marketing capabilities. The site uses asynchronous and deferred script loading to optimize performance. Mobile optimization is good, and SEO meta tags are properly implemented. However, accessibility features appear basic and could be enhanced. Hosting provider details are not explicitly available from the HTML content. Overall, the technical implementation is solid with opportunities for further optimization and security hardening.
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

Earlier scans of this domain

  1. 75/100Medium3 findings · partial scanView report
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