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Security report for epsm.eu

EPSM · Finance · N/a

High risk. 8 critical or high findings in GDPR outside view, Security headers and 2 other checks.

Security score

48/100

Risk levelHigh

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

EPSM is a well-established non-profit trade association representing European Payment Service Providers for Merchants within the SEPA region. The organization serves as a platform for its 65+ members across multiple countries to exchange information, influence policy, and stay updated on regulatory developments. The website reflects a professional and consistent brand image, targeting industry stakeholders and payment service providers. Technically, the site uses common JavaScript libraries and CSS frameworks to deliver a responsive and visually appealing experience, though some modern security and privacy features are lacking. Security posture is moderate with no visible critical vulnerabilities but missing advanced security headers and incident response information. Overall, the site is trustworthy and credible but could improve privacy compliance and security transparency.

Scanned

NIS2 and GDPR posture

GDPR outside view
28/ 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

8 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 Cookie Policy found

      GDPR requires clear information about cookie usage

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

  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 Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • 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 epsm.eu

This scan found 26 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
72
Security headers
15
Email security
65
DNS health
85
Network security
20
GDPR outside view
28
Average
48

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

EPSM occupies a niche position as a European industry association focused on payment services for merchants. Its business model is non-profit and membership-driven, providing networking, regulatory updates, and advocacy. The association benefits from strategic partnerships with key industry players, as evidenced by member testimonials and logos. The target audience includes payment service providers, acquirers, and related financial technology companies. The website content and downloadable profiles reinforce EPSM's role as a central hub for European payment market insights and collaboration. Growth indicators include regular meetings and published summaries, suggesting active engagement with members.

Security posture

The website demonstrates a basic to moderate security posture. HTTPS is assumed but not explicitly confirmed in the HTML content. No security headers such as Content Security Policy, HSTS, or X-Frame-Options are detected. There is no visible incident response or security contact information. No forms or input fields are present on the homepage, reducing attack surface. No vulnerable or outdated libraries are evident. Privacy compliance is partial, with a privacy policy present but no cookie consent mechanism. Overall, the security maturity is adequate for an informational site but could be enhanced to meet higher compliance and security standards.

Recommendations

  1. Implement a visible cookie consent banner to comply with GDPR and improve privacy transparency.
  2. Add security headers (CSP, HSTS, X-Frame-Options) to enhance protection against common web attacks.
  3. Publish a clear security policy and incident response contact information to improve trust and readiness.
  4. Enhance accessibility features to improve usability for all users and meet compliance standards.
  5. Regularly audit and update third-party libraries and scripts to mitigate potential vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
EPSM
Description
EPSM is a non-profit trade association for European Payment Service Providers for Merchants active in the SEPA region. It represents more than 65 organizations across 15+ countries, including network operators, acquirers, internet and mobile payment providers, manufacturers, processing providers, and payment schemes. The association provides a platform for exchanging news, information, and views on the European payments market.
Key services
Interest representation, Information exchange platform, Regulatory updates, Networking events and meetings
Content quality
good
Branding
consistent

Technology

Stack
jQuery, ResponsiveSlides.js, Owl Carousel, CSS3 animations
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
60/100
Good practices seen
  • No exposed sensitive data in HTML
  • No visible vulnerable libraries

Analytics and tracking

Tracking level
minimal
Privacy practices
basic

Advertising

Transparency
poor

Site quality

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

Key observations

  1. Website is a professional association site for European payment service providers.
  2. Content is well-structured with clear navigation and relevant business information.
  3. No visible contact emails or phone numbers on the homepage; contact page likely exists but not included in provided data.
  4. No privacy or cookie banners detected, though privacy policy page exists.
  5. No visible forms on the homepage; possible forms on other pages not analyzed.
  6. No explicit security headers or advanced security features detected in HTML content.
  7. Use of common JavaScript libraries and CSS frameworks for UI and animations.
  8. Social media presence limited to LinkedIn link.
  9. No analytics or tracking scripts detected in provided HTML.
Technical notes

Notes

The website uses a combination of jQuery, ResponsiveSlides.js, and Owl Carousel for interactive UI elements and animations. CSS frameworks like Skeleton and Normalize.css provide responsive and normalized styling. The site does not appear to use a CMS, indicating a custom or static site architecture. Hosting is likely provided by InterNetX GmbH, the domain registrar. Performance is moderate with some heavy margin usage in carousels and animations that may impact load times. Mobile optimization is good with responsive images and viewport meta tags. SEO is basic with a descriptive title but no meta description or Open Graph tags detected. Accessibility is basic with no ARIA roles or landmarks visible in the HTML snippet.
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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