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Security report for openpayd.com

OpenPayd Ltd · Finance · United Kingdom

Partial score · DNS & email only

59/100

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

OpenPayd Ltd operates as a regulated financial services infrastructure provider specializing in Banking-as-a-Service. The company offers a comprehensive API-driven platform enabling businesses to embed payments, accounts, and trading solutions globally. With regulatory authorizations from the UK FCA, Malta Financial Services Authority, and Canadian FIN-TRAC, OpenPayd positions itself as a trusted partner in the digital economy. Their client base includes notable fintech and digital asset companies, underscoring their market relevance and operational scale. Technically, the website is built on WordPress with modern SEO and analytics integrations, providing a professional and responsive user experience. Security practices are robust, including HTTPS, security headers, and CAPTCHA protections, though a dedicated security policy page and incident response contacts are absent. Overall, OpenPayd demonstrates a mature digital presence with strong business credibility and compliance posture.

Scanned

NIS2 and GDPR posture

GDPR outside view
28/ 100 · High
Checks completed
6of 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. GDPR outside view

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

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • 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

  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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

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

Keep watching openpayd.com

This scan found 13 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.

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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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
0
Email security
80
DNS health
85
Network security
100
GDPR outside view
28
Average
59

Not counted

  • Security headers: did not complete in this scan.
  • 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

OpenPayd targets fintechs, digital asset platforms, marketplaces, and enterprises needing embedded financial services. Their business model centers on providing scalable, API-first banking and payment infrastructure with virtual IBANs, FX, and digital asset trading capabilities. The company leverages partnerships and regulatory licenses to offer global coverage. Revenue streams likely include transaction fees, account services, and API usage. The presence of a sandbox and detailed API documentation indicates a developer-focused approach, facilitating rapid integration and innovation. Testimonials from industry leaders and a client roster featuring eToro and Bitfinex highlight competitive advantages and market trust. The company’s growth is supported by a diverse team and a clear focus on digital economy needs.

Security posture

The website exhibits a strong security posture with HTTPS enforced and multiple security headers implemented. Use of Google reCAPTCHA on forms mitigates automated abuse. No sensitive data exposure or vulnerable libraries were detected in the HTML content. However, the absence of a public security policy or incident response contact limits transparency and readiness perception. No vulnerability disclosure or security.txt file is present, which could improve responsible vulnerability management. Overall, the security maturity is good but could be enhanced by formalizing security governance documentation and communication channels.

Recommendations

  1. Publish a dedicated security policy page outlining security controls and practices.
  2. Provide explicit incident response contact information such as security@ or abuse@ emails.
  3. Implement a vulnerability disclosure program or security.txt file to facilitate responsible reporting.
  4. Enhance website accessibility compliance to improve inclusivity and legal adherence.
  5. Regularly review and audit third-party scripts and tracking tools to minimize security risks.

Contact details published on the site

Legal name
SettleGo Solutions Limited (trading as OpenPayd)
Registration number
09570221
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
OpenPayd Ltd
Description
Embed the financial services you need to power your growth. Build new products, streamline your operations and manage payments globally, with our Banking-as-a-Service infrastructure.
Key services
Payments, Accounts with virtual IBANs, Foreign Exchange, Trading digital and fiat assets, Banking-as-a-Service
Content quality
excellent
Branding
consistent

Technology

Stack
WordPress, Yoast SEO plugin, Google Tag Manager, Google Analytics, Google reCAPTCHA, 6sense, Snitcher, LazySizes, Tailwind CSS
Frameworks
Yoast SEO, Google Tag Manager
Platforms
WordPress
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
90/100
Good practices seen
  • Use of HTTPS
  • Google reCAPTCHA for forms
  • No exposed sensitive data in HTML
  • Security headers present

Analytics and tracking

Services
Google Analytics, 6sense, Snitcher, Lead Forensics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
6sense, Snitcher, Lead Forensics (lfeeder)
Marketing tools
Yoast SEO
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. Strong focus on embedded finance and API-driven financial services.
  3. Multiple regulatory licenses and registrations are clearly stated.
  4. Comprehensive navigation with detailed product and solution offerings.
  5. Use of modern web technologies and security best practices.
  6. Contact information primarily via web forms; no direct emails or phone numbers publicly listed.
  7. Social media presence on LinkedIn, YouTube, Twitter (X), and Instagram.
  8. No signs of suspicious or malicious content detected.
Technical notes

Notes

The website is built on WordPress with a custom theme and uses Yoast SEO for search optimization. It integrates multiple third-party analytics and marketing tools including Google Analytics, Google Tag Manager, 6sense, Snitcher, and Lead Forensics. The site is mobile responsive with good navigation clarity and professional design. Performance is moderate, with lazy loading implemented for images. Security headers and HTTPS are properly configured. The presence of a sandbox environment and API documentation subdomains indicates a mature technical infrastructure supporting developer engagement. Opportunities exist to improve accessibility and reduce reliance on multiple tracking scripts for privacy enhancement.
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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