Skip to main content

Security report for merchanto.org

Merchanto · Finance · Latvia

Medium risk. 6 critical or high findings in Security headers, GDPR outside view and 2 other checks.

Security score

64/100

Risk levelMedium

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

Merchanto is a specialized technology company focused on providing an advanced platform for chargeback deflection and fraud prevention, primarily targeting ecommerce merchants using VISA and MasterCard payment cards. The company leverages AI and machine learning to enable real-time collaboration between merchants and issuers, aiming to eliminate chargebacks and improve acceptance rates. Founded in 2021 and based in Latvia, Merchanto positions itself as a leading solution in the digital payments fraud prevention space with direct partnerships with major card networks. The website reflects a professional and consistent brand image with clear business messaging and contact information. Technically, the site is built on modern frameworks such as Next.js and React, hosted on AWS infrastructure, and integrates analytics and user behavior tracking tools like Google Tag Manager and Hotjar. Security posture is adequate with HTTPS enabled and domain transfer protection, but lacks DNSSEC and security headers, which are recommended for improvement. Privacy compliance is partial, with a privacy policy present but no cookie consent mechanism. Overall, the website is well-designed, user-friendly, and trustworthy, though there is room for enhancement in security and privacy practices.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 100 · Medium
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. 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. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • 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

  3. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • High

      No SPF record found

      SPF helps prevent email spoofing

      What to do: Add SPF record: "v=spf1 include:_spf.yourmailprovider.com ~all"

Need hands-on remediation? Email guard@offseq.com

Keep watching merchanto.org

This scan found 26 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
40
Email security
50
DNS health
65
Network security
100
GDPR outside view
53
Average
64

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

Merchanto operates in the finance and technology sectors, offering a SaaS platform that integrates directly with VISA and MasterCard issuers to prevent chargebacks and fraud. Its business model is B2B, targeting online merchants and ecommerce businesses globally. The company emphasizes rapid onboarding, real-time data sharing, and AI-driven analytics to differentiate itself in a competitive market. Partnerships with major card networks and a dedicated support team enhance its market position. The company is relatively new, founded in 2021, and maintains privacy protection on its domain registration, which is typical for startups. The website content and structure support a professional image aimed at building trust with potential clients. The absence of extensive certifications or security policies suggests a focus on product development and market penetration at this stage.

Security posture

The website demonstrates a moderate security maturity level. HTTPS is properly implemented, and the domain status clientTransferProhibited adds a layer of domain security. However, the absence of DNSSEC leaves the domain vulnerable to DNS spoofing attacks. The lack of security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options reduces protection against common web attacks like clickjacking and MIME sniffing. No explicit incident response or security policy pages are present, which could impact customer confidence. The site uses modern JavaScript frameworks and includes tracking scripts from Google Tag Manager and Hotjar, which require careful privacy management. Overall, while no critical vulnerabilities are evident, improvements in DNS security, HTTP headers, and privacy compliance are recommended to enhance the security posture.

Recommendations

  1. Enable DNSSEC on the domain to improve DNS integrity and prevent spoofing.
  2. Implement standard security headers (Content-Security-Policy, X-Frame-Options, X-Content-Type-Options) to mitigate common web vulnerabilities.
  3. Add a cookie policy and consent mechanism to comply with GDPR and enhance user privacy transparency.
  4. Publish a dedicated security policy and incident response page to improve trust and demonstrate security readiness.
  5. Regularly audit third-party scripts and tracking tools to ensure they comply with privacy standards and do not expose sensitive data.

Contact details published on the site

Addresses
Legal name
Merchanto
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Merchanto
Description
Merchanto provides a technology-based platform for chargeback deflection and fraud prevention by enabling merchant-issuer collaboration, focusing on VISA and MasterCard bank cards. It offers an easy-to-use, end-to-end solution with direct API connections, real-time operations, and global reach to prevent chargebacks and improve acceptance rates.
Key services
Chargeback deflection, Fraud prevention, Real-time dispute data sharing, Dashboard and API access, 24/7 dedicated support
Content quality
good
Branding
consistent

Technology

Stack
React, Next.js, JavaScript, Google Tag Manager, Hotjar
Frameworks
Next.js
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
65/100
Good practices seen
  • HTTPS enabled
  • Client transfer prohibited domain status

Analytics and tracking

Services
Google Tag Manager, Hotjar
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Hotjar
Marketing tools
Hotjar
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 challenges.
  2. Clear business focus on chargeback deflection and fraud prevention for ecommerce.
  3. Good technical implementation using modern frameworks and tracking tools.
  4. Lacks explicit cookie policy and security headers.
  5. WHOIS privacy protection used but justified and not suspicious.
  6. Contact information is clearly provided including email, phone, address, and contact form.
  7. No adult or questionable content detected.
Technical notes

Notes

The website is built using Next.js and React, indicating a modern and scalable front-end architecture. Hosting is on AWS, inferred from DNS nameservers, which suggests reliable infrastructure. The site uses Google Tag Manager and Hotjar for analytics and user behavior tracking, enabling data-driven insights but requiring privacy considerations. Performance is moderate with preloading of CSS and JavaScript chunks, and mobile optimization is good. Accessibility features are basic but present. SEO optimization is basic with meta tags and Open Graph images but no structured JSON-LD data detected. The site lacks a CMS, indicating a custom or framework-based build. Overall, the technical implementation is solid but could benefit from enhanced accessibility and SEO improvements.
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 merchanto.org. 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 merchanto.org.

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.