Papaya Ltd · Finance · Malta
High risk. 7 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.
Papaya Ltd operates as a licensed Electronic Money Institution based in Malta, providing advanced fintech solutions including digital banking, payment cards, and PSD2 compliant APIs. The company targets businesses seeking customizable and white-label financial services, positioning itself as a modern fintech platform with a strong partner ecosystem. The website demonstrates a professional design and clear navigation, supporting a positive user experience and trustworthiness. Technically, the site is built on Angular 9 with modern web standards, ensuring good performance and mobile optimization. Security posture is solid with HTTPS and Content-Security-Policy headers, though additional security headers and explicit incident response information could enhance protection. Privacy policies are comprehensive but hosted on a partner domain, and no direct contact information is provided on the main site, which may affect user trust. Overall, the site reflects a credible fintech business with room for improvement in transparency and security disclosures.
Scanned
NIS2 Art. 21(2)
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.
7 findings rated critical or high. Fix these first.
These are the privacy signals visitors and data protection authorities look for under GDPR.
EU businesses are subject to strict GDPR requirements
What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures
GDPR requires appropriate security measures for personal data
What to do: Implement SSL/TLS certificate for HTTPS
GDPR requires a clear and accessible privacy policy
What to do: Add a comprehensive privacy policy page and link to it prominently
GDPR requires explicit consent for non-essential cookies
What to do: Implement a cookie consent banner that appears on first visit
TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.
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
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.
Prevents clickjacking attacks
What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"
Controls resources the browser is allowed to load
What to do: Implement a Content-Security-Policy appropriate for your application
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Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.
Each check with its score, findings and the evidence it collected.
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
Not counted
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.
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
Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.
Leaked records that mention papaya.eu, from OffSeq Breach.
6 subdomains affected
See the 10 newest leaked credentials
A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for papaya.eu.
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Breach keeps ingesting new leaks, so these numbers can grow between scans.
Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.
Automated reading of the public site. Ratings are indicative.
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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