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Security report for motionpay.id

PT MNC Group · Finance · Indonesia

Medium risk. 8 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

59/100

Risk levelMedium

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

MotionPay is a licensed Indonesian electronic money application operated by PT MNC Teknologi Nusantara, part of the MNC Group. It offers a comprehensive digital payment platform enabling non-cash payments, bill payments, money transfers, and card storage. The platform targets general consumers in Indonesia seeking convenient and secure mobile payment solutions. The website demonstrates a professional design with good mobile optimization and clear navigation, reflecting a mature digital presence aligned with fintech industry standards. Technically, the website employs modern JavaScript libraries such as Livewire, Alpine.js, Swiper, and Splide, hosted behind Cloudflare DNS services. The site uses HTTPS with a valid SSL configuration, ensuring secure communications. However, some security best practices like security headers and published privacy or cookie policies are missing, indicating room for improvement in compliance and security posture. Security-wise, the site benefits from domain transfer protections and a legitimate WHOIS registration consistent with its business claims. No vulnerabilities or exposed sensitive data were detected in the HTML content. The absence of privacy and cookie policies and lack of incident response information represent compliance gaps. Analytics usage is moderate with Google Analytics and Google Tag Manager present, but privacy compliance is limited. Overall, MotionPay's website is a trustworthy and professional fintech platform with a solid technical foundation but requires enhancements in privacy compliance, security headers, and transparency to improve user trust and regulatory adherence.

Scanned

NIS2 and GDPR posture

GDPR outside view
35/ 100 · High
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

8 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. 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

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

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

Keep watching motionpay.id

This scan found 27 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
67
Security headers
15
Email security
60
DNS health
75
Network security
100
GDPR outside view
35
Average
59

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

MotionPay operates in the Indonesian fintech sector as a licensed e-money provider under Bank Indonesia, leveraging the strong brand and resources of the MNC Group. Its business model centers on providing a mobile wallet and payment platform supporting QRIS payments, digital remittance, and bill payments. The company targets mass-market consumers and partners with a broad ecosystem including retail chains, healthcare, transportation, and digital services, enhancing its market reach and utility. The domain age and registration details align with a recent but credible market entrant. The partnership ecosystem is diverse and strategic, supporting growth and customer acquisition. The lack of published privacy and security policies may impact regulatory compliance and customer confidence in the long term.

Security posture

The website demonstrates a moderate to strong security posture with HTTPS enforced and domain transfer protections in place. No exposed sensitive data or vulnerable libraries were identified. However, the absence of security headers such as Content-Security-Policy and lack of published security or incident response policies reduce the overall security maturity. No vulnerability disclosure or security.txt files were found, limiting transparency for security researchers. The WHOIS data is consistent and trustworthy, supporting legitimacy. To enhance security posture, the company should implement recommended HTTP security headers, publish privacy and cookie policies with consent mechanisms, and provide clear incident response contacts.

Recommendations

  1. Publish comprehensive privacy and cookie policies including GDPR compliance and consent mechanisms.
  2. Implement HTTP security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  3. Create and publish an incident response and vulnerability disclosure policy with dedicated contact channels.
  4. Enable DNSSEC on the domain to improve DNS security.
  5. Add clear company contact information including support emails and phone numbers on the website to improve trust.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
PT MNC Group
Description
MotionPay adalah aplikasi uang elektronik dari PT MNC Group untuk melayani segala jenis pembayaran secara non tunai. MotionPay telah terdaftar dan memperoleh izin oleh Bank Indonesia sebagai penyelenggara sistem pembayaran elektronik (e-money, e-wallet, dan digital remittance).
Key services
Non-cash payments via QRIS, Purchase of pulsa, data packages, electricity tokens, Bill payments, Money transfer between accounts and banks, Card storage for debit and credit cards
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Bootstrap (implied by classes and offcanvas usage), Splide.js, Swiper.js, DataTables, Livewire, Alpine.js (deferred loading with Livewire)
Frameworks
Laravel Livewire
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Domain status clientTransferProhibited and serverTransferProhibited
  • No exposed sensitive data in HTML
  • No vulnerable libraries detected in scripts

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
poor

Advertising

Tracking pixels
Google Analytics (via gtag.js)
Transparency
basic

Site quality

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

Key observations

  1. Website is a licensed Indonesian e-money application under Bank Indonesia.
  2. No privacy, cookie, or terms of service policies found on main site.
  3. No explicit contact emails or phone numbers found on homepage.
  4. Social media presence is strong with Facebook, Instagram, TikTok, and YouTube links.
  5. Uses modern JavaScript libraries and frameworks including Livewire and Alpine.js.
  6. No security.txt or vulnerability disclosure policy found.
  7. No security headers detected in HTML content (headers not provided).
  8. No forms detected in the provided HTML content.
  9. Website is mobile optimized and uses responsive images.
  10. No suspicious or malicious content detected.
Technical notes

Notes

The website uses a modern technology stack including Laravel Livewire for reactive components, Alpine.js for frontend interactivity, and popular UI libraries like Swiper and Splide for carousels. It leverages CDN-hosted CSS and JS assets for performance. Hosting is behind Cloudflare DNS, providing resilience and some security benefits. The site is mobile responsive with adaptive images and uses Google Analytics for user tracking. However, no CMS is explicitly detected, suggesting a custom or framework-based build. Performance is moderate with asynchronous script loading and optimized assets. Accessibility is basic with some ARIA and semantic improvements possible. SEO is supported by proper meta tags and Open Graph data. Overall, the technical implementation is solid but could benefit from enhanced accessibility and security header implementation.
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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