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Security report for nmi.com

Network Merchants, LLC · Finance · United States

Medium risk. 8 critical or high findings in Security headers, GDPR outside view and 2 other checks.

Security score

60/100

Risk levelMedium

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

Network Merchants, LLC (NMI) operates a leading embedded payments platform powering over $200 billion in annual payment volumes. The company provides a comprehensive suite of payment solutions including a customizable payments platform, merchant relationship management, and a flexible payment gateway. Their target audience includes Independent Sales Organizations, SaaS providers, banks, payment facilitators, and various industry verticals. NMI positions itself as a global leader in embedded payments with a strong market presence and extensive processor connections. Technically, the website is built on WordPress with modern JavaScript libraries and analytics tools such as Google Tag Manager, Woopra, and reCAPTCHA for security. The site is well-optimized for SEO, mobile responsiveness, and accessibility, reflecting a mature digital infrastructure. Security best practices are evident with HTTPS, Content Security Policy headers, and secure form handling. The security posture is strong with no visible vulnerabilities or exposed sensitive data. However, the site lacks explicit incident response contact information and a public vulnerability disclosure policy. Privacy compliance is robust with clear privacy and cookie policies, including GDPR considerations. The business credibility is high, supported by consistent WHOIS data, professional content, and multiple trust indicators. Overall, NMI's website reflects a secure, professional, and well-managed online presence suitable for an enterprise-level payment technology company.

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

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 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

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

Keep watching nmi.com

This scan found 28 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.

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Full report

€39.90one-time

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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
52
Security headers
15
Email security
60
DNS health
80
Network security
100
GDPR outside view
53
Average
60

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

NMI operates in the finance and technology sectors, focusing on embedded payment solutions that enable merchants and partners to accept payments seamlessly. Their business model revolves around providing modular, scalable payment platforms and merchant management tools that support various payment methods and channels. The company leverages partnerships with processors and device manufacturers to offer pre-certified integrations, enhancing ease of adoption. NMI's competitive advantage lies in its comprehensive platform that combines payment gateway technology with underwriting, onboarding, and fraud defense capabilities. Their extensive merchant base and processor connections indicate strong market penetration and growth potential. The company actively engages its target segments through tailored solutions for ISOs, SaaS providers, banks, and payment facilitators, supported by rich content marketing and customer success stories. Strategically, NMI emphasizes flexibility, modularity, and speed to market, positioning payments as a strategic asset rather than a transactional service. This approach fosters long-term customer retention and revenue diversification.

Security posture

NMI demonstrates a mature security posture with HTTPS enforced site-wide and a comprehensive Content Security Policy to mitigate script injection risks. The use of Google reCAPTCHA on forms reduces automated abuse. No sensitive data is exposed in the HTML source, and lazy loading techniques improve performance without compromising security. However, the absence of a public incident response contact or vulnerability disclosure policy is a gap that could hinder timely reporting and remediation of security issues. While the site references security in developer resources, explicit certifications or compliance frameworks (e.g., ISO 27001, NIST) are not prominently disclosed. Overall, the security measures align with industry best practices for a payment technology provider, but transparency around incident response and vulnerability management could be improved.

Recommendations

  1. Publish a dedicated incident response contact or security page to facilitate vulnerability reporting.
  2. Implement and publicize a vulnerability disclosure policy or security.txt file to enhance transparency.
  3. Explicitly list security certifications and compliance frameworks to strengthen trust.
  4. Regularly review and update Content Security Policy to cover evolving threats.
  5. Enhance privacy disclosures with detailed data retention policies and user rights information.

Contact details published on the site

Addresses
Legal name
Network Merchants, LLC
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Network Merchants, LLC
Description
NMI is a global leader in embedded payments, powering more than $200 billion in payment volumes every year. From our industry-leading payment gateway technology to our commerce enablement stack, underwriting, onboarding, and management platform, we enable our partners across the entire payments ecosystem.
Key services
NMI Payments platform, Merchant Relationship Management, Payment Gateway, Fraud Defense Suite, Embedded payment solutions
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Woopra Analytics, LazyLoad library, Google reCAPTCHA, Vimeo video embedding
Frameworks
Yoast SEO Premium plugin (WordPress), WordPress CMS
Platforms
WordPress
Performance
fast
Mobile
excellent
Accessibility
good
SEO
excellent

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Content Security Policy implemented
  • Google reCAPTCHA on forms
  • No exposed sensitive data in HTML
  • Lazy loading of images and scripts

Analytics and tracking

Services
Google Analytics, Woopra, LinkedIn Insight, Reddit Analytics, Bing Analytics, Facebook Analytics
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google Ads, LinkedIn Ads, Reddit Ads, Bing Ads, Twitter Ads
Tracking pixels
Woopra, LinkedIn Insight Tag, Reddit Pixel, Bing UET, Facebook Pixel
Marketing tools
Pardot, Chilipiper, Clickagy, NitroPack
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-structured.
  2. Strong focus on embedded payment solutions and merchant management.
  3. Comprehensive navigation with clear product and solution categories.
  4. Multiple contact channels including phone, form, and physical addresses.
  5. Good use of modern web technologies and analytics tools.
  6. Security best practices observed including HTTPS and CSP.
  7. No signs of suspicious or malicious content.
  8. Strong social media presence and active content marketing.
  9. Privacy and cookie policies are present and GDPR compliant.
Technical notes

Notes

The website is built on WordPress CMS with Yoast SEO Premium plugin, ensuring strong SEO capabilities. The tech stack includes modern JavaScript libraries, lazy loading for images, and integration with multiple analytics and marketing tools such as Google Tag Manager, Woopra, Pardot, and Chilipiper. The site is mobile-optimized and accessible, with an emphasis on performance and user experience. No technical debt or deprecated technologies were detected. The use of Content Security Policy and HTTPS indicates a secure and modern infrastructure. Opportunities exist to further enhance security transparency and incident response readiness. Overall, the technical implementation supports the business goals effectively with minimal risk.
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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