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Security report for incard.co

Incard Ltd · Finance · United Kingdom

Partial score · DNS & email only

75/100

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

Incard Ltd operates a specialized financial platform tailored for ecommerce businesses, offering multi-currency business accounts, corporate Visa Platinum cards with cashback and rewards, expense management, accounting automation, and financial analytics. Positioned as a fintech innovator, Incard targets ecommerce entrepreneurs seeking streamlined financial operations and enhanced visibility into their cash flow and advertising spend. The company leverages partnerships with Currency Cloud, Visa, and TrueLayer to provide regulated payment and account information services, reinforcing its credibility in the financial sector. Technically, the website is built on a modern React and Next.js stack, hosted on Vercel, and integrates multiple analytics and marketing tools such as Google Tag Manager, Facebook Pixel, Hotjar, and Intercom. The site demonstrates excellent mobile optimization, accessibility, and SEO practices, contributing to a professional user experience. Security posture is strong with HTTPS enforcement, comprehensive security headers, and no visible vulnerabilities or exposed sensitive data. Privacy compliance is supported by detailed privacy and cookie policies, though an explicit cookie consent mechanism is not detected. WHOIS data is privacy protected, which is justified for a fintech company, though it limits direct registrant verification. Overall, Incard presents a trustworthy and professional digital presence with a solid foundation for ecommerce financial services.

Scanned

3 of 7 checks could not complete. The site may be unreachable or blocking automated scans, so the results below cover only what could be checked. Try a rescan later.

NIS2 and GDPR posture

NIS2 outside view
Not assessed
GDPR outside view
Not assessed

Both readouts depend on the site's pages, which could not be loaded in this scan.

Priority findings

2 findings rated critical or high. Fix these first.

  1. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • High

      No SPF record found

      SPF helps prevent email spoofing

      What to do: Add SPF record: "v=spf1 include:_spf.yourmailprovider.com ~all"

  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

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

Keep watching incard.co

This scan found 14 issues across 4 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
72
Email security
52
DNS health
80
Network security
100
Average
76
After the cap
75

Not counted

  • Security headers: did not complete in this scan.
  • GDPR outside view: did not complete in this scan.
  • 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

Incard's market positioning focuses on ecommerce financial operations, providing a niche solution that integrates business accounts, corporate cards, and financial analytics. Its competitive advantage lies in multi-currency support, real-time cash flow insights, and seamless integration with ecommerce platforms and payment gateways. Revenue streams likely include account fees, card transaction fees, and value-added services such as analytics and automation. The target customer segment includes small to medium ecommerce businesses and digital agencies. Growth indicators include partnerships with major payment processors and a comprehensive affiliate program. The company maintains a strong partnership ecosystem with Currency Cloud, Visa, and TrueLayer, enhancing service reliability and regulatory compliance. Strategic observations suggest a focus on expanding currency offerings and mobile wallet capabilities to capture broader market share.

Security posture

Incard exhibits a mature security posture with enforced HTTPS, robust security headers, and no detected vulnerabilities in the website code or third-party libraries. The presence of a dedicated security page indicates awareness and commitment to security best practices. However, the absence of a public incident response contact or vulnerability disclosure program represents a gap in transparency and readiness. Data protection practices align with GDPR requirements, supported by comprehensive privacy policies. The use of reputable third-party services for payments and account information further mitigates risk. Overall, the security culture appears proactive but could benefit from enhanced incident response communication and explicit cookie consent mechanisms.

Recommendations

  1. Implement an explicit cookie consent banner to comply fully with privacy regulations and enhance user trust.
  2. Publish a vulnerability disclosure policy or security.txt file to encourage responsible reporting and demonstrate security transparency.
  3. Provide clear incident response contact information, such as a dedicated security or abuse email address.
  4. Enhance accessibility features to meet or exceed WCAG standards for broader inclusivity.
  5. Regularly audit and update third-party scripts and dependencies to mitigate emerging security risks.

Contact details published on the site

Addresses
Legal name
Incard Ltd
Registration number
06323311
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Incard Ltd
Description
The financial platform made for ecommerce. Build your business with Incard and increase visibility over your business operations to power better decision making. Pay your bills, track your cash flow in real time, and close your books faster.
Key services
Multi-currency business accounts, Corporate Visa Platinum cards with cashback and rewards, Expense management, Accounting automation, Financial analytics and cashflow insights, Integrations with ecommerce platforms and payment gateways
Content quality
excellent
Branding
consistent

Technology

Stack
React, Next.js, Vercel hosting, Google Tag Manager, Facebook Pixel, LinkedIn Insight Tag, Hotjar, Intercom
Frameworks
React, Next.js
Platforms
Vercel
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of security headers
  • No visible vulnerable libraries
  • Secure forms with minimal data collection

Analytics and tracking

Services
Google Analytics (via GTM), Hotjar, LinkedIn Insight
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google Ads, Facebook Ads
Tracking pixels
Facebook Pixel, LinkedIn Insight, Hotjar
Marketing tools
Intercom
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with rich content and no blocking.
  2. Strong fintech focus on ecommerce financial services.
  3. Comprehensive privacy and cookie policies present.
  4. No direct contact emails or phone numbers found on main site.
  5. Use of multiple trusted third-party services for analytics and marketing.
  6. No visible security vulnerabilities or exposed sensitive data.
  7. WHOIS data is privacy protected with no public registrant info.
  8. Good mobile optimization and modern tech stack.
  9. No adult or questionable content detected.
Technical notes

Notes

The website is built using a modern React and Next.js framework, hosted on Vercel, ensuring fast performance and scalability. It employs a comprehensive set of analytics and marketing tools, including Google Tag Manager, Facebook Pixel, LinkedIn Insight, Hotjar, and Intercom, enabling detailed user behavior tracking and customer engagement. The site is well-optimized for mobile devices and SEO, with proper meta tags and structured content. No CMS is detected, indicating a custom or headless architecture. The technical infrastructure supports a seamless user experience with minimal latency. Opportunities exist to improve cookie consent management and incident response readiness to align with best practices in fintech digital operations.
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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