Skip to main content

Security report for kekspay.hr

Hrvatski Telekom d.d. · Finance · Croatia

Medium risk. 7 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

68/100

Risk levelMedium

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

KEKS Pay is a Croatian financial technology service offering a mobile application for fast, no-fee money transfers, bill payments, parking payments, and other financial transactions. Sponsored by Erste Banka and registered under Hrvatski Telekom d.d., the platform targets both individual consumers and business users, providing a convenient and secure payment ecosystem. The website is professionally designed, mobile-optimized, and provides clear information about its services and privacy practices. Technically, it leverages modern JavaScript frameworks (Vue.js, Nuxt.js) and integrates with major app stores for broad platform support. Security practices include encryption, biometric and PIN protection, and compliance with EU standards, although explicit security policies and incident response contacts are not publicly disclosed. Overall, the site is trustworthy, well-maintained, and compliant with GDPR, with a strong market position in Croatia's fintech sector.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 100 · Critical
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

7 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 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

  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 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 kekspay.hr

This scan found 20 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.

Billed monthly to your card. Cancel anytime. See sample alerts.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
77
Security headers
65
Email security
70
DNS health
85
Network security
100
GDPR outside view
10
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

KEKS Pay operates in the Croatian finance sector, focusing on digital payments and money transfers without fees, differentiating itself by ease of use and broad banking interoperability. Its business model is supported by Erste Banka sponsorship and Hrvatski Telekom's domain registration, indicating strong institutional backing. The platform serves over 500,000 users and offers business solutions for hospitality and e-commerce sectors, suggesting diversified revenue streams. The partnership ecosystem includes Erste Banka and telecom infrastructure providers. Growth indicators include multi-platform app availability and continuous feature expansion. The company targets general consumers and businesses seeking efficient payment solutions.

Security posture

The security posture of KEKS Pay is solid, with HTTPS enforced, encrypted data storage, and app-level protections such as PIN and biometric authentication. Transactions undergo security checks aligned with EU standards. However, the website lacks publicly available detailed security policies, incident response contacts, and vulnerability disclosure mechanisms, which are important for transparency and trust. No critical vulnerabilities or exposed sensitive data were detected. The use of Google Tag Manager is noted, but no excessive tracking was observed. Overall, the security maturity is good but could be improved by publishing formal security documentation and incident response procedures.

Recommendations

  1. Publish a dedicated security policy page detailing security controls and standards.
  2. Provide clear incident response contact information for security issues.
  3. Implement and publish a vulnerability disclosure policy or security.txt file.
  4. Add HTTP security headers such as Content-Security-Policy and X-Frame-Options to enhance protection.
  5. Enhance transparency around data retention policies and user privacy controls.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Hrvatski Telekom d.d.
Description
KEKS Pay is a financial application enabling fast sending and receiving of money without fees. It offers services such as bill payments, parking payments, ENC top-ups, online and offline purchases, and a free physical card called KEKSICA.
Key services
Money sending and receiving without fees, Bill payments (režije), Parking payments, ENC highway toll top-ups, KEKSICA physical card, Business solutions for hospitality and webshops
Content quality
excellent
Branding
consistent

Technology

Stack
Vue.js, Nuxt.js, JavaScript ES Modules, Lazy loading images, Google Tag Manager
Frameworks
Nuxt.js, Vue.js
Platforms
Web, Android (Google Play), iOS (Apple Store), Huawei AppGallery
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • PIN and biometric protection on app
  • Data encryption and storage on protected servers
  • Security checks on transactions
  • Compliance with highest EU standards

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Content is professionally presented in Croatian language.
  3. Strong emphasis on no-fee financial transactions and user convenience.
  4. Multiple app store links indicate multi-platform availability.
  5. Cookie consent and privacy policies are clearly implemented.
  6. No direct contact emails or phone numbers found on the main page.
  7. Social media presence on Facebook and Instagram confirmed.
  8. No explicit security policy or incident response contacts published.
  9. No vulnerability disclosure or security.txt found.
Technical notes

Notes

The website uses a modern front-end technology stack based on Vue.js and Nuxt.js, enabling server-side rendering and fast performance. It employs lazy loading for images and modules, improving load times and mobile experience. Hosting appears to be supported by Hrvatski Telekom and Azure DNS infrastructure, ensuring reliability. SEO and accessibility are well addressed with proper meta tags and responsive design. The integration with Google Tag Manager supports analytics and marketing needs. No CMS was explicitly detected, suggesting a custom or proprietary solution. Overall, the technical infrastructure is robust, scalable, and aligned with current web development best practices.
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

Reviews of this site

Share your experience with kekspay.hr. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review kekspay.hr.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.