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Security report for gocardless.com

GoCardless · Finance · United Kingdom

Low risk. 3 critical or high findings in GDPR outside view and SSL/TLS.

Security score

80/100

Risk levelLow

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

GoCardless is a well-established UK-based company specializing in online payment processing solutions, particularly direct debit payments for businesses. The company holds a strong market position with a large customer base and offers key services such as subscription billing and payment reconciliation. The website reflects a mature digital infrastructure using modern technologies like React and Gatsby, hosted via Cloudflare for performance and security. Security posture is robust with HTTPS, security headers, and certifications including ISO 27001 and PCI DSS. Privacy and compliance are well addressed with comprehensive policies and GDPR adherence. Overall, the website and domain data indicate a trustworthy and professional business with a strong focus on security and user privacy.

Scanned

NIS2 and GDPR posture

GDPR outside view
85/ 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

3 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.

    • 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

  2. 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
    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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

Keep watching gocardless.com

This scan found 17 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

Email alerts on material changes and an exportable JSON history of every change.

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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
52
Security headers
75
Email security
80
DNS health
90
Network security
100
GDPR outside view
85
Average
80

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

GoCardless operates in the finance and technology sectors, targeting businesses that require efficient payment processing solutions. Their business model revolves around SaaS-based payment facilitation, generating revenue through transaction fees. The company demonstrates competitive advantages through compliance certifications, a secure platform, and a clear privacy framework. Partnerships and service domains like manage.gocardless.com support their ecosystem. The company shows indicators of growth and market leadership in direct debit payments, with a consistent brand and professional online presence.

Security posture

The security maturity of GoCardless is high, with enforced HTTPS, comprehensive security headers, and adherence to industry standards such as ISO 27001 and PCI DSS. No vulnerabilities or exposed sensitive data were detected in the website content. Incident response and vulnerability disclosure policies are publicly available, indicating readiness for security events. GDPR compliance is evident, and data protection officer contact is provided. Recommendations include enabling DNSSEC and continuous monitoring of third-party scripts to maintain security integrity.

Recommendations

  1. Enable DNSSEC to enhance DNS security and prevent spoofing.
  2. Conduct regular third-party script audits to mitigate supply chain risks.
  3. Maintain and update security certifications to reflect current standards.
  4. Increase transparency and visibility of incident response procedures.
  5. Invest in ongoing privacy education and user consent management improvements.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
GoCardless
Description
GoCardless provides an online payment processing solution specializing in direct debit payments for businesses.
Key services
Direct debit payment processing, Subscription billing, Payment reconciliation
Content quality
excellent
Branding
consistent

Technology

Stack
React, Gatsby, Cloudflare CDN, Google Tag Manager, Google Analytics
Frameworks
React, Gatsby
Platforms
Cloudflare
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Security headers implemented
  • No exposed sensitive data in HTML
  • Secure forms with proper input handling

Analytics and tracking

Services
Google Analytics, Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Strong security posture with HTTPS and security headers.
  3. Comprehensive privacy and cookie policies with consent mechanisms.
  4. Clear business information and contact options.
  5. Use of modern web technologies and performance optimizations.
  6. No signs of suspicious or malicious content.
  7. Active social media presence and trust signals.
Technical notes

Notes

The website is built on a modern tech stack including React and Gatsby, ensuring fast performance and good SEO. Hosting via Cloudflare provides CDN benefits and security features. The site is mobile-optimized and accessible, with proper meta tags and structured data for enhanced search engine visibility. No technical debt or outdated technologies were observed. The use of Google Analytics and Tag Manager is balanced with privacy compliance. Overall, the technical infrastructure supports a high-quality user experience and operational reliability.
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. 80/100Low23 findingsView report
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