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Security report for mastercard.nl

Mastercard · Finance · Netherlands

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

Security score

73/100

Risk levelMedium

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

Mastercard Netherlands operates as a regional branch of the global payment technology leader Mastercard Incorporated. The company provides secure and innovative payment solutions including credit and debit card services, payment processing, and fraud prevention to consumers, businesses, and financial institutions. Positioned as a global leader in the finance and technology sectors, Mastercard maintains a strong market presence in the Netherlands with a focus on digital payment innovation and security. The website infrastructure reflects a mature digital platform leveraging modern web technologies such as JavaScript frameworks and Adobe Experience Manager CMS. The site is optimized for performance, mobile responsiveness, and accessibility, indicating a high level of digital maturity. Security best practices are evident with HTTPS enforcement, comprehensive security headers, and adherence to industry standards such as ISO 27001 and PCI DSS. Security posture is robust with no detected vulnerabilities or exposed sensitive data. Privacy compliance is strong, featuring comprehensive privacy and cookie policies with consent mechanisms aligned with GDPR requirements. Contact and business information are clearly presented, enhancing trust and credibility. Overall, the website and business demonstrate a high level of professionalism, security, and compliance suitable for an enterprise in the financial services industry. Strategic recommendations include maintaining continuous vulnerability management, enhancing incident response transparency, and implementing a security.txt file to facilitate vulnerability disclosures. These measures will further strengthen Mastercard Netherlands' security posture and stakeholder trust.

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.nl

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

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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
70
Network security
100
GDPR outside view
88
Average
73

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 Netherlands benefits from its position as a subsidiary of Mastercard Incorporated, leveraging global brand recognition and technological innovation. The company targets a broad audience including consumers, merchants, financial institutions, and governments. Its business model centers on payment processing and financial technology services, generating revenue through transaction fees and value-added services. The company maintains competitive advantages through advanced fraud prevention technologies and a comprehensive global payments network. Partnerships with financial institutions and technology providers support its ecosystem. Growth indicators include ongoing digital payment innovations and expansion of contactless and mobile payment solutions. The company’s operations are supported by a strong compliance framework and certifications, reinforcing its market position.

Security posture

Mastercard Netherlands exhibits a mature security posture with adherence to international standards such as ISO 27001 and PCI DSS. The website enforces HTTPS and implements key security headers to protect against common web vulnerabilities. No exposed sensitive data or vulnerable libraries were detected in the analysis. The presence of dedicated security and abuse contact channels indicates readiness for incident response. Privacy policies and cookie consent mechanisms comply with GDPR, reflecting a strong data protection culture. While no critical vulnerabilities were found, continuous monitoring and timely patching of third-party components are recommended. The absence of a security.txt file suggests an opportunity to improve vulnerability disclosure transparency. Overall, the security maturity aligns with enterprise-level expectations in the financial sector.

Recommendations

  1. Implement a security.txt file to facilitate responsible vulnerability disclosure.
  2. Maintain regular vulnerability scanning and timely patch management.
  3. Enhance transparency of incident response procedures on the website.
  4. Periodically review and update privacy policies to reflect evolving GDPR requirements.
  5. Continue investment in user education and security awareness to strengthen security culture.

Contact details published on the site

Addresses
Legal name
Mastercard Europe SA
VAT number
NL802011787B01
Registration number
KvK 33298215
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Mastercard
Description
Mastercard is a global technology company in the payments industry, providing secure and innovative payment solutions to consumers, businesses, and governments.
Key services
Credit and debit card services, Payment processing, Fraud prevention, Digital payment solutions
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, CSS3, HTML5, Google Tag Manager, Adobe Experience Manager (likely CMS)
Frameworks
DXP (Digital Experience Platform)
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Security headers implemented
  • No exposed sensitive data in HTML
  • Secure forms with CSRF protection (inferred)

Analytics and tracking

Services
Google Analytics, Adobe Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google Ads
Tracking pixels
Adobe Analytics
Marketing tools
Adobe Experience Platform
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well maintained.
  2. Strong security posture with modern best practices.
  3. Comprehensive privacy and cookie policies with consent mechanisms.
  4. Clear business and contact information available.
  5. No suspicious or malicious indicators detected.
  6. Content is fully accessible with no WAF blocking.
Technical notes

Notes

The website utilizes a modern technology stack including JavaScript frameworks and Adobe Experience Manager CMS, supporting a responsive and performant user experience. The infrastructure appears robust with fast loading times and good mobile optimization. SEO and accessibility best practices are implemented, enhancing discoverability and usability. Hosting and CDN details are inferred to be enterprise-grade, supporting global availability. Technical risks are minimal with no detected outdated or vulnerable libraries. Opportunities exist to further modernize by adopting emerging web standards and enhancing automation in deployment and security monitoring. Overall, the technical foundation supports Mastercard Netherlands’ business objectives effectively.
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. 73/100Medium29 findingsView report
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