Skip to main content

Security report for mastercard.hr

Mastercard · Finance · Croatia

Low risk. 3 critical or high findings in Security headers and SSL/TLS.

Security score

76/100

Risk levelLow

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

Mastercard.hr is the Croatian localized website of Mastercard, a leading global payments technology company. The site provides information about Mastercard's payment solutions and services tailored for the Croatian market, targeting consumers and businesses. The website reflects Mastercard's strong market position and brand consistency, offering key services such as payment cards, digital payment solutions, and merchant services. The site is professionally designed with excellent content quality and clear navigation, optimized for mobile devices and fast performance via Akamai CDN.

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

3 findings rated critical or high. Fix these first.

  1. 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 X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • 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';…

  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 mastercard.hr

This scan found 18 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
82
Security headers
30
Email security
70
DNS health
85
Network security
100
GDPR outside view
88
Average
76

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

Mastercard operates in the finance sector with a business model centered on payment processing and financial services. The Croatian site supports Mastercard's global presence by catering to local customers and partners. The company benefits from strong brand recognition and trust, leveraging partnerships and a robust technology infrastructure. The website's content and structure indicate a mature digital presence with a focus on security and compliance, although explicit security policies and incident response contacts are not prominently published.

Security posture

The website demonstrates a strong security posture with HTTPS enforced, comprehensive security headers, and no visible vulnerabilities or exposed sensitive data. Use of Akamai CDN enhances security and performance. However, the absence of a dedicated security policy page, incident response contact information, and vulnerability disclosure mechanisms suggests areas for improvement in transparency and readiness. The site complies with GDPR and includes cookie consent mechanisms, reflecting good privacy practices.

Recommendations

  1. Publish a dedicated security policy page outlining security frameworks and practices.
  2. Provide clear incident response contact channels such as security@ or abuse@ email addresses.
  3. Implement and publicize a vulnerability disclosure program or security.txt file.
  4. Enhance transparency by listing data retention policies and privacy compliance details.
  5. Continue to monitor and update security headers and SSL configurations regularly.

Contact details published on the site

Addresses
Legal name
Mastercard
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Mastercard
Description
Mastercard is a global payments technology company providing payment solutions and services to consumers, businesses, and governments.
Key services
Payment cards, Digital payment solutions, Merchant services, Security and fraud prevention
Content quality
excellent
Branding
consistent

Technology

Stack
HTML5, CSS3, JavaScript, Akamai CDN, Hydration framework (likely StencilJS or similar)
Frameworks
Hydrated web components
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Use of security headers
  • No exposed sensitive data in HTML
  • Secure forms with proper input fields

Analytics and tracking

Services
Google Analytics
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 a localized Croatian Mastercard site with professional design and content.
  2. Uses Akamai CDN for performance and security.
  3. Includes privacy and cookie policies with consent mechanisms.
  4. No explicit security policy or incident response contacts found.
  5. No vulnerability disclosure or security.txt detected.
  6. No suspicious or malicious content detected.
  7. WHOIS data is consistent and domain is well-established.
Technical notes

Notes

The website uses modern web technologies including hydrated web components, JavaScript, and CSS3, hosted on Akamai CDN for optimal performance and security. The site is mobile-optimized with good accessibility and SEO practices. No CMS was explicitly detected, suggesting a custom or proprietary platform. The technical infrastructure supports fast loading times and a professional user experience. Opportunities exist to improve technical documentation and security transparency.
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. 76/100Low26 findingsView report
Reviews of this site

Share your experience with mastercard.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 mastercard.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.