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Security report for kir.pl

Krajowa Izba Rozliczeniowa S.A. · Finance · Poland

Medium risk. 6 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

67/100

Risk levelMedium

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

Krajowa Izba Rozliczeniowa S.A. (KIR) is a key technological hub and infrastructure provider for the Polish payment system, offering a broad range of digital solutions for banks, companies, public sector entities, and individual clients. Their services include interbank settlements (Elixir), instant payments (Express Elixir), electronic signatures (Szafir and mSzafir), electronic identification (mojeID), and open banking interfaces (HUB PSD2). The company holds a strong market position as a critical infrastructure entity in Poland's financial ecosystem. Technically, the website employs modern web technologies including Google Tag Manager and Google reCAPTCHA, with a CMS platform (edito) supporting content management. The site is mobile-optimized, accessible, and SEO-friendly, reflecting a mature digital presence. Security measures such as HTTPS, CSRF tokens, and bot protection are implemented, though explicit security headers could be further verified. The security posture is solid with no visible vulnerabilities or exposed sensitive data. Privacy and cookie policies are comprehensive and GDPR compliant, supporting user data protection. However, no explicit incident response or vulnerability disclosure policies were found, which could enhance trust and security readiness. Overall, the website and business present a low-risk profile with strong credibility and professional digital infrastructure. Strategic recommendations include enhancing security header transparency, publishing vulnerability disclosure information, and improving contact information visibility to further strengthen trust and compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 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

6 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 Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Twitter, LinkedIn, YouTube

      What to do: Document all third-party data sharing in your privacy policy

  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';…

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Keep watching kir.pl

This scan found 22 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

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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
65
Email security
60
DNS health
80
Network security
100
GDPR outside view
25
Average
67

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

KIR operates as an essential entity in Poland's financial infrastructure, providing critical payment and digital identity services. Their business model focuses on technology-enabled service delivery to banks, corporations, public institutions, and individuals. The company leverages a broad partnership ecosystem with dedicated service domains for electronic signatures, instant payments, and identity verification. Market positioning is strong due to their role as a central clearing house and payment system operator. Growth indicators include continuous R&D investments in blockchain and tokenization. The company maintains a professional online presence with consistent branding and multiple service platforms, supporting a large enterprise scale.

Security posture

The website demonstrates a mature security posture with HTTPS enforcement, CSRF protection, and bot mitigation via Google reCAPTCHA. No critical vulnerabilities or sensitive data exposures were detected in the HTML content. Privacy policies are comprehensive and GDPR compliant. However, the absence of explicit security policies, incident response contacts, and vulnerability disclosure mechanisms represents a compliance gap. Publishing a security.txt file and security framework certifications (e.g., ISO 27001) would improve transparency and readiness. Overall, the security maturity is good but could benefit from formalized incident response and disclosure practices.

Recommendations

  1. Publish explicit security headers such as HSTS, X-Content-Type-Options, and X-Frame-Options to enhance browser security.
  2. Develop and publicly disclose an incident response policy and vulnerability disclosure program, including a security.txt file.
  3. Improve visibility and availability of official contact emails and phone numbers for customer and security inquiries.
  4. Regularly audit third-party scripts and tracking tools to ensure no vulnerable or privacy-invasive components are used.
  5. Enhance transparency around certifications and compliance frameworks to strengthen trust with stakeholders.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Krajowa Izba Rozliczeniowa S.A.
Description
Krajowa Izba Rozliczeniowa S.A. provides services in settlements and payments including Elixir sessions, Express Elixir instant payments, and electronic signatures (Szafir).
Key services
Interbank settlements (Elixir, Euro Elixir), Instant payments (Express Elixir), Electronic signatures (Szafir, mSzafir), Electronic identification (mojeID), Payment services (Paybynet, KIRPay, Qlips), Information exchange centers (Ognivo, Centralna informacja), Open banking interfaces (HUB PSD2, R_HUB), R&D in blockchain and tokenization
Content quality
good
Branding
consistent

Technology

Stack
Google Tag Manager, Google reCAPTCHA, CSS, JavaScript
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of Google reCAPTCHA for bot protection
  • CSRF token present in meta tags
  • No exposed sensitive data in HTML

Analytics and tracking

Tracking level
moderate
Privacy practices
good

Advertising

Transparency
basic

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 challenge
  2. Content is in Polish with English version available
  3. Strong focus on banking and digital payment infrastructure
  4. Multiple specialized services and platforms linked
  5. Good use of modern web technologies and security practices
  6. No explicit contact emails or phone numbers found in provided HTML snippet
  7. Social media presence on LinkedIn, Twitter, YouTube
  8. Privacy and cookie policies present and comprehensive
  9. No visible terms of service page detected in navigation or footer
Technical notes

Notes

The website is built on a CMS platform (edito) with modern front-end technologies including CSS and JavaScript. It integrates Google Tag Manager and Google reCAPTCHA for analytics and security. The site is mobile responsive and accessible, with good SEO practices including meta tags and Open Graph data. Performance is moderate, with room for optimization. No hosting provider details were identified. The technical infrastructure supports a professional and scalable digital presence suitable for a large enterprise in the financial sector.
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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