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Security report for mobilepay.fi

VIPPS HOLDING AS · Finance · Finland

Low risk. 4 critical or high findings in Security headers and SSL/TLS.

Security score

77/100

Risk levelLow

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

MobilePay.fi is a Finnish mobile payment service website operated by VIPPS HOLDING AS, a Norwegian company. The service facilitates easy sending and receiving of money using phone numbers and supports payments at physical stores, online shops, and apps. The domain is well-established since 2013 and is hosted on Microsoft Azure infrastructure with modern web technologies including JavaScript and Cookiebot for consent management. The website demonstrates good digital maturity with responsive design, clear navigation, and professional content tailored for Finnish consumers and businesses. Security posture is solid with HTTPS enforced and cookie consent implemented, though explicit security headers and policies are not prominently published. Overall, the site is trustworthy and compliant with privacy regulations, though it could improve transparency by publishing security and incident response policies.

Scanned

NIS2 and GDPR posture

GDPR outside view
100/ 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

4 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 Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • 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 mobilepay.fi

This scan found 17 issues across 5 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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  • 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
15
Email security
85
DNS health
90
Network security
100
GDPR outside view
100
Average
77

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention mobilepay.fi, from OffSeq Breach.

Total records
144
Employees
0
Customers
144
Third parties
0
Weak passwords
5%

2 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for mobilepay.fi.

Select it in the checkout above.

Breach keeps ingesting new leaks, so these numbers can grow between scans.

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

MobilePay.fi operates in the finance sector as a mobile payment solution targeting Finnish users. It is part of VIPPS HOLDING AS, indicating a strong corporate backing. The business model revolves around facilitating peer-to-peer and merchant payments via mobile devices, leveraging phone numbers as identifiers. The company benefits from partnerships and integrations with retail and online merchants. The website's use of Cookiebot and Google site verification suggests a focus on compliance and SEO. The absence of visible social media links or direct contact phone numbers on the site may indicate a preference for digital self-service and support channels. The domain's longevity and registrant transparency support a stable market position.

Security posture

The website employs HTTPS and integrates a cookie consent mechanism, reflecting awareness of privacy and security best practices. However, the lack of explicit security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options is a gap that could be addressed to enhance protection against common web attacks. No vulnerabilities or exposed sensitive data were detected in the analyzed content. The absence of a published security policy or incident response contact reduces transparency and may impact user trust in security matters. Implementing a vulnerability disclosure program and publishing a security.txt file would further strengthen the security posture and compliance with industry standards.

Recommendations

  1. Implement and publish explicit security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  2. Publish a comprehensive security policy and incident response contact information on the website.
  3. Establish a vulnerability disclosure program or security.txt file to encourage responsible reporting of security issues.
  4. Enhance accessibility features to improve inclusivity and compliance with accessibility standards.
  5. Consider adding verified social media links and additional contact channels to improve user engagement and trust.

Contact details published on the site

Addresses
Legal name
VIPPS HOLDING AS
Registration number
920853013
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
VIPPS HOLDING AS
Description
MobilePaylla on helppo lähettää ja vastaanottaa rahaa, tarvitset vain vastaanottajan tai maksajan puhelinnumeron. Lisäksi MobilePayta voi käyttää maksamiseen kassoilla, verkkokaupoissa sekä sovelluksissa.
Key services
Send and receive money via phone number, Payments at physical stores, Payments in online shops and apps
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Cookiebot, Boost.ai chat panel, Azure DNS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Cookie consent implemented
  • No exposed sensitive data in HTML

Analytics and tracking

Tracking level
minimal
Privacy practices
good

Advertising

Tracking pixels
Cookiebot
Marketing tools
Boost.ai chat panel
Transparency
good

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. Content is professional and relevant to mobile payments in Finland.
  3. Cookie consent is implemented via Cookiebot, indicating GDPR awareness.
  4. WHOIS data is transparent and matches business identity.
  5. No explicit security policy or incident response info found on site.
  6. No forms detected in the provided HTML snippet.
  7. No social media links explicitly found in the snippet.
  8. Use of modern JavaScript and third-party chat AI integration.
  9. No signs of adult or questionable content.
Technical notes

Notes

The website is built using modern JavaScript technologies and integrates third-party services such as Cookiebot for cookie consent and Boost.ai for chat functionality. Hosting is provided via Microsoft Azure DNS infrastructure, indicating reliable and scalable backend support. Performance is moderate with good mobile optimization and SEO practices evident from meta tags and Google site verification. The site lacks a detectable CMS, suggesting a custom or proprietary platform. Accessibility is basic and could be improved. Overall, the technical infrastructure supports a professional and user-friendly experience but could benefit from enhanced security headers and accessibility 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

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