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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 a regional website representing Mastercard's presence in Croatia, focusing on payment technologies and financial services. The site reflects Mastercard's global brand and offers information tailored to Croatian consumers and businesses. The technical infrastructure leverages Akamai CDN and a digital experience platform, indicating a moderate level of digital maturity. However, the website lacks visible privacy and cookie policies, contact information, and security headers, which are important for compliance and user trust. The security posture is adequate with HTTPS enabled but could be improved by adding security headers and incident response information. Overall, the site is legitimate and consistent with Mastercard's brand but would benefit from enhanced transparency and compliance disclosures.

Scanned

This is an earlier scan of mastercard.hr. View the latest report

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.

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Recommended

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  • 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
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 as a leading global payment network, and this Croatian site serves as a regional touchpoint. The business model centers on payment processing and digital financial services targeting consumers and merchants in Croatia. The site supports Mastercard's market positioning as a trusted payment provider. While the site content is professional, it is minimal in terms of detailed business information or customer engagement features. There is no evidence of direct sales or customer support channels on the site. The lack of visible contact details and policies suggests a focus on brand presence rather than direct customer interaction. The domain age and registrar information align with a legitimate regional operation under Mastercard's global umbrella.

Security posture

The website uses HTTPS, ensuring encrypted communication, and is hosted via Akamai CDN, which provides performance and security benefits. However, the absence of security headers such as Content-Security-Policy, X-Frame-Options, and others reduces the site's defense-in-depth. No vulnerability disclosure or incident response information is provided, limiting transparency for security researchers and users. No forms or data collection points were detected, reducing exposure to input-based attacks. Overall, the security posture is moderate but could be significantly improved by implementing standard security headers, publishing privacy and cookie policies, and providing incident response contacts.

Recommendations

  1. Publish comprehensive privacy and cookie policies with GDPR compliance details.
  2. Implement and configure security headers to enhance protection against common web attacks.
  3. Add clear contact information including support and security incident contacts.
  4. Provide a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  5. Enhance website content with more detailed business and compliance information to build user trust.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Mastercard
Description
Mastercard is a global payments technology company that connects consumers, financial institutions, merchants, governments and businesses worldwide, enabling electronic payments and financial services.
Key services
Payment card services, Digital payment solutions, Merchant services
Content quality
basic
Branding
consistent

Technology

Stack
HTML5, CSS3, JavaScript, Akamai CDN
Frameworks
DXP (Digital Experience Platform)
Performance
moderate
Mobile
basic
Accessibility
basic
SEO
basic

Security

Observed score
70/100
Good practices seen
  • HTTPS enabled

Analytics and tracking

Tracking level
minimal
Privacy practices
poor

Advertising

Transparency
poor

Site quality

Design
basic
User experience
basic
Content relevance
basic
Navigation
basic
Professionalism
basic
Trustworthiness
moderate

Key observations

  1. Website is a regional Mastercard site for Croatia.
  2. No explicit privacy, cookie, or terms of service policies found in the provided HTML content.
  3. No contact emails or phone numbers explicitly found in the content.
  4. Site uses Akamai CDN for hosting and performance.
  5. No visible security headers detected in the provided data.
  6. No analytics or tracking scripts explicitly detected.
  7. No forms detected in the provided HTML snippet.
  8. Content is professional but minimal in terms of compliance and security disclosures.
Technical notes

Notes

The website is built using a Digital Experience Platform with HTML5, CSS3, and JavaScript, hosted on Akamai CDN for performance and reliability. The site appears to be mobile responsive at a basic level but lacks advanced accessibility and SEO optimizations. No analytics or tracking scripts were detected, indicating minimal user tracking. The domain is relatively new (2017) but appropriate for a regional site. The technical implementation is solid but basic, with opportunities to improve performance, accessibility, and compliance features.
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
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