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Security report for ozow.com

Medium risk. 5 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

69/100

Risk levelMedium

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

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

5 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 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

  3. 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 ozow.com

This scan found 23 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
62
Security headers
30
Email security
85
DNS health
85
Network security
100
GDPR outside view
53
Average
69

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

Ozow operates in the finance and technology sectors, focusing on payment processing and open banking solutions. Its business model revolves around providing seamless bank-to-bank payment APIs and gateways to merchants and consumers, generating revenue through merchant fees and value-added services. The company targets a broad customer base including e-commerce platforms, retail businesses, and individual users. Strategic partnerships with major banks such as Capitec, Nedbank, and Absa enhance its market reach and credibility. The presence of subsidiaries like Ozow.ME and Ozow Pocket indicates diversification into peer-to-peer payments and wallet services. The company’s growth is supported by a strong brand, extensive merchant adoption, and active engagement through social media and content marketing. Ozow’s competitive advantage lies in its instant EFT technology, biometric payment options, and comprehensive integration capabilities.

Security posture

Ozow exhibits a robust security posture with enforced HTTPS, secure data handling practices, and a dedicated security information page. The website does not expose sensitive data and uses modern security-focused third-party services. However, the absence of DNSSEC and security headers such as Content-Security-Policy and X-Frame-Options represents areas for enhancement. The forms include Google reCAPTCHA v3 scripts, but the CAPTCHA appears disabled or misconfigured, which could expose the site to spam or abuse. No explicit incident response or vulnerability disclosure information is provided, which could be improved to enhance transparency and readiness. Overall, the security maturity is good but can benefit from implementing additional best practices and formalizing incident response channels.

Recommendations

  1. Enable DNSSEC on the domain to protect against DNS spoofing and improve domain security.
  2. Implement and enforce security headers including Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security to mitigate common web vulnerabilities.
  3. Activate and properly configure CAPTCHA on all forms to prevent automated abuse and spam submissions.
  4. Publish a security.txt file to provide clear vulnerability disclosure guidelines and contact information.
  5. Provide explicit incident response contact details such as security@ or abuse@ email addresses to improve trust and responsiveness.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Ozow (Pty) Ltd
Description
Accept payments, issue refunds & make payouts, easily and fast. With Ozow your business is able to transact with 47 million South African bank accounts holders. Sign up today and enjoy the benefits of Ozow Pay by Bank instant EFT
Key services
Pay by Bank, Card Payments, Biometric Authentication (One-Blink Payments), Refunds, Payouts, Voucher Redemption, Integrations & Plugins, Capitec Pay, Nedbank Direct EFT, Absa Pay
Content quality
excellent
Branding
consistent

Technology

Stack
jQuery 3.5.1, Webflow CMS, Google Tag Manager, Google Analytics, Facebook Pixel, TikTok Pixel, LinkedIn Insight Tag, Hotjar, AppsFlyer SDK, Ada Support Chat
Frameworks
Webflow
Platforms
Cloudflare DNS
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Security page detailing data protection
  • No exposed sensitive data in HTML
  • Secure forms with CAPTCHA (Google reCAPTCHA v3 indicated but appears disabled)
  • Use of modern security-focused third-party scripts

Analytics and tracking

Services
Google Analytics, Hotjar, Facebook Pixel, TikTok Pixel, LinkedIn Insight Tag, AppsFlyer
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Facebook Ads, TikTok Ads, LinkedIn Ads, Twitter Ads
Tracking pixels
Facebook Pixel, TikTok Pixel, LinkedIn Insight Tag, Hotjar
Marketing tools
AppsFlyer
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 maintained
  2. Strong focus on South African market and banking integration
  3. Comprehensive product and service offerings for payments
  4. Active social media presence and customer testimonials
  5. Security and privacy policies are clearly presented
  6. No signs of blocking or WAF interference
  7. Use of multiple third-party analytics and marketing tools
  8. No exposed sensitive data or obvious vulnerabilities
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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