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Security report for montonio.com

Montonio Finance UAB · Finance · Lithuania

Low risk. 3 critical or high findings in GDPR outside view and SSL/TLS.

Security score

78/100

Risk levelLow

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

Montonio Finance UAB operates a comprehensive e-commerce checkout platform that integrates payments, shipping, and refund solutions tailored for small and medium-sized businesses. The company positions itself as a market leader with a high checkout conversion rate and a broad customer base exceeding 7,000 businesses. Their platform supports multiple popular e-commerce integrations and offers features such as pay later options and payment links, enhancing merchant flexibility and customer experience. Technically, the website is built on Webflow with modern analytics and marketing tools, demonstrating a mature digital infrastructure with fast performance and excellent mobile optimization. Security posture is strong with HTTPS enforcement, security headers, and cookie consent mechanisms, although explicit security policies and incident response contacts are not publicly available. The absence of WHOIS data introduces some uncertainty regarding domain registration legitimacy, but the professional presentation and trust indicators mitigate immediate concerns. Overall, Montonio presents as a credible and well-established fintech service provider in the e-commerce payments sector.

Scanned

NIS2 and GDPR posture

GDPR outside view
65/ 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

3 findings rated critical or high. Fix these first.

  1. GDPR outside view

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

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, LinkedIn, Google APIs

      What to do: Document all third-party data sharing in your privacy policy

  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 montonio.com

This scan found 17 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
72
Security headers
60
Email security
87
DNS health
85
Network security
100
GDPR outside view
65
Average
78

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

Montonio targets SMBs in the e-commerce sector, offering integrated payment and shipping solutions that reduce transaction fees and increase sales. Their business model revolves around providing a seamless checkout experience with multiple payment options and shipping management tools. The company leverages partnerships with major e-commerce platforms and maintains a strong marketing presence through social media and analytics tools. Their market position is reinforced by customer testimonials and a payment institution license from the Bank of Lithuania. Growth indicators include a broad client base and continuous product updates. Strategic observations suggest a focus on expanding integrations and enhancing user experience to maintain competitive advantage.

Security posture

The website demonstrates a solid security foundation with HTTPS, multiple security headers, and cookie consent compliance. However, the lack of a dedicated security policy page and incident response contact information indicates room for improvement in transparency and readiness. No vulnerabilities or exposed sensitive data were detected in the HTML content. The use of third-party scripts necessitates ongoing monitoring to mitigate supply chain risks. Compliance with GDPR is evident through cookie management and privacy policy. Overall, the security maturity is good but could benefit from formalized policies and disclosure mechanisms.

Recommendations

  1. Publish a dedicated security policy and incident response page to improve transparency and trust.
  2. Add a vulnerability disclosure program or security.txt file to facilitate responsible reporting.
  3. Include explicit contact emails or phone numbers for sales and support to enhance business credibility.
  4. Regularly review and update third-party scripts to minimize security risks.
  5. Enhance accessibility features to meet higher standards and improve user experience for all visitors.

Contact details published on the site

Addresses
Legal name
Montonio Finance UAB
Registration number
305205122
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Montonio Finance UAB
Description
Montonio provides an all-in-one checkout platform offering payments, shipping, and refund solutions designed to help SMBs grow by boosting sales and reducing transaction fees.
Key services
Online payments, Refund automation, Shipping label printing and tracking, Payment links, Pay later options
Content quality
excellent
Branding
consistent

Technology

Stack
Webflow, Google Tag Manager, HubSpot, Cookiebot, Intercom, Facebook Pixel, Google Analytics
Frameworks
Webflow CMS
Platforms
WooCommerce, PrestaShop, Magento, OpenCart, Custom API
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent implemented
  • No exposed sensitive data in HTML
  • Use of security headers

Analytics and tracking

Services
Google Analytics, HubSpot Analytics, Facebook Pixel
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google Ads, Facebook Ads
Tracking pixels
Facebook Pixel, HubSpot Analytics
Marketing tools
HubSpot, Intercom
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with rich content and professional design
  2. No WHOIS data available, which is unusual for an active business website
  3. Strong focus on e-commerce payment and shipping solutions
  4. Good privacy and cookie compliance mechanisms implemented
  5. No direct contact emails or phone numbers found on main pages, only contact forms
  6. Use of multiple third-party marketing and analytics tools
  7. No explicit security policy or incident response information published
Technical notes

Notes

The website is built using Webflow CMS, hosted on Webflow's infrastructure, and integrates multiple modern technologies including Google Tag Manager, HubSpot, Cookiebot, and Intercom. Performance is optimized with fast loading times and excellent mobile responsiveness. SEO is well addressed with proper meta tags and Open Graph data. The technical stack supports scalability and ease of integration with popular e-commerce platforms. No technical debt or major risks were identified, though continuous monitoring of third-party dependencies is recommended to maintain security and performance.
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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