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Security report for giropay.de

EURO Kartensysteme GmbH · Finance · Germany

Medium risk. 1 critical or high finding in Network security.

Security score

74/100

Risk levelMedium

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

EURO Kartensysteme GmbH operates the girocard.eu website, providing authoritative information and updates about the girocard payment system in Germany. The site serves both consumers and businesses with news, FAQs, and support resources related to cashless payments and girocard services. The company maintains a professional online presence with consistent branding and active social media channels. Technically, the site is built on WordPress with Elementor, using modern web technologies and analytics tools like Piwik PRO. Security best practices such as HTTPS and security headers are implemented, though explicit security policies and incident response contacts are not publicly detailed. The domain WHOIS data is privacy protected under EURid policies, which is typical for corporate domains in the EU. Overall, the website is credible, well-maintained, and aligned with industry standards.

Scanned

NIS2 and GDPR posture

GDPR outside view
88/ 100 · Low
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

1 finding rated critical or high. Fix these first.

  1. Network security

    Services reachable from the internet are the first thing attackers probe. Anything open that does not need to be should be closed.

    • High

      High-Risk Service Exposed: FTP

      Port 21 (FTP) is publicly accessible - FTP - Often unencrypted file transfer

      What to do: Consider restricting access to FTP or implementing strong authentication

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection

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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
95
Security headers
95
Email security
70
DNS health
75
Network security
20
GDPR outside view
88
Average
74

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

The business is positioned as a key information provider for the girocard payment system, targeting German consumers and businesses involved in cashless payments. Its partnerships with entities like Deutsche Kreditwirtschaft and Initiative Deutsche Zahlungssysteme reinforce its market position. The business model focuses on information dissemination and support rather than direct payment processing. The presence of a dedicated shop and system partner pages indicates a broader ecosystem engagement. Growth indicators include active content updates and social media engagement. The company operates in the finance sector with a medium-sized footprint and a focus on the German market.

Security posture

The website demonstrates a mature security posture with HTTPS enforcement and multiple security headers. No critical vulnerabilities or exposed sensitive data were detected in the analyzed content. However, the absence of a public security policy, vulnerability disclosure, or incident response contact reduces transparency. The use of Piwik PRO analytics suggests attention to privacy compliance. Recommendations include publishing a security policy, establishing a vulnerability disclosure program, and providing incident response contacts to enhance trust and compliance.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and compliance.
  2. Implement a vulnerability disclosure program or security.txt file to facilitate responsible reporting.
  3. Provide clear incident response contact information for security issues.
  4. Regularly review and update third-party scripts and analytics tools to mitigate vulnerabilities.
  5. Enhance privacy compliance disclosures, including data retention policies and user rights.

Contact details published on the site

Addresses
Legal name
EURO Kartensysteme GmbH
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
EURO Kartensysteme GmbH
Description
EURO Kartensysteme GmbH operates the girocard website providing information about the girocard payment system and related services in Germany. The site offers news, FAQs, and resources for consumers and businesses regarding cashless payments.
Key services
Information on girocard payment system, News and media updates, Support and FAQs for consumers and businesses
Content quality
good
Branding
consistent

Technology

Stack
WordPress, Elementor, jQuery, Piwik PRO analytics, WebP images, Woff2 fonts
Frameworks
Elementor
Platforms
WordPress CMS
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Security headers present
  • No exposed sensitive data in HTML
  • No visible vulnerable libraries

Analytics and tracking

Services
Piwik PRO
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Piwik PRO
Marketing tools
Piwik PRO analytics
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 challenges.
  2. Content is in German and professionally presented.
  3. The site uses WordPress with Elementor and modern web technologies.
  4. Social media presence is strong and consistent with brand.
  5. No contact emails explicitly found in the HTML content provided.
  6. Physical address and contact page are present and credible.
  7. No forms detected on the analyzed page that collect user data.
  8. Security headers and HTTPS are properly implemented.
  9. No visible security or privacy policy pages explicitly linked in the blog post but found elsewhere on the site.
  10. No vulnerability disclosure or incident response information found.
Technical notes

Notes

The website is built on a modern WordPress CMS platform using the Elementor page builder, ensuring responsive design and good user experience. It employs modern image formats (WebP), optimized fonts (WOFF2), and asynchronous loading of scripts for performance. Analytics are handled via Piwik PRO, indicating a privacy-conscious approach. The site shows good SEO practices with comprehensive meta tags and structured data (JSON-LD). Accessibility features are present, and the site is mobile optimized. Hosting details are not explicitly identified. Performance is moderate, with room for optimization in loading speed and caching strategies.
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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