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Security report for paya.com

Paya, Inc. · Finance · United States

Medium risk. 3 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

71/100

Risk levelMedium

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

Paya, Inc. is a well-established payment solutions provider offering integrated payment technologies and services primarily targeting businesses across multiple sectors including B2B, education, insurance, government, healthcare, nonprofits, and ERP providers. The company operates under the parent company Nuvei and has a strong market position with a large customer base and extensive partner network. Their website reflects a mature digital presence with professional design, comprehensive content, and clear navigation. Technically, the site is built on WordPress with modern marketing and analytics integrations, ensuring good performance and mobile optimization. Security posture is solid with HTTPS and domain protections, though there is room for improvement in DNSSEC and security headers. Privacy compliance is well addressed with clear policies and consent mechanisms. Overall, Paya demonstrates high business credibility and digital maturity.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 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

3 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 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

  3. DNS health

    DNS sends visitors and email to the right servers. Misconfigured records can cause outages or let someone redirect your traffic.

    • High

      Potential Subdomain Takeover

      Subdomain dev.paya.com points to unregistered service paya-com-1742586628.us-east-1.elb.amazonaws.com

      What to do: Remove or fix CNAME record to prevent subdomain takeover

      • WSTG-CONF-10
      • NIS2 21(2)(i)
      • IR 2024/2690 12.4: Implementing Regulation (EU) 2024/2690, Annex point 12.4: Asset inventory
      • NIST CM-8: NIST SP 800-53 Rev. 5 CM-8: System Component Inventory

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

Keep watching paya.com

This scan found 22 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

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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
90
Security headers
40
Email security
75
DNS health
55
Network security
100
GDPR outside view
68
Average
71

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

Paya leverages a partner ecosystem and multiple software integrations to maintain competitive advantage in the payment processing industry. Their business model focuses on providing seamless payment acceptance and disbursement solutions, ACH processing, and marketing services. The company’s longevity since 1997 and its parent company relationship with Nuvei support its market credibility. The website content and partner listings indicate a strategic focus on enterprise and mid-large business customers. The presence of certifications and testimonials further reinforce trust and reliability in their offerings.

Security posture

The website employs HTTPS with a clientTransferProhibited domain status, indicating domain transfer protection. While no explicit advanced security headers were detected, the site avoids exposing sensitive data and uses reputable third-party services for analytics and marketing. The lack of DNSSEC is a minor gap. No vulnerabilities or security incidents were evident from the content. Incident response and security policy details are not publicly disclosed, which is common but could be improved for transparency.

Recommendations

  1. Enable DNSSEC on the domain to enhance DNS security and prevent spoofing.
  2. Implement and verify security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.
  3. Conduct regular security audits of third-party scripts and integrations to avoid supply chain risks.
  4. Publish a dedicated security policy and incident response contact information to improve transparency and trust.
  5. Enhance accessibility features to improve compliance and user experience for all visitors.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Paya, Inc.
Description
Solve complex business problems with easy to use payments solutions backed by extensive vertical knowledge, advanced technology, and world-class support.
Key services
Payment Acceptance, Payment Disbursement, ACH Processing, Integrations with ERP and accounting software, Marketing Services
Content quality
excellent
Branding
consistent

Technology

Stack
WordPress CMS, HubSpot, Google Tag Manager, Google Analytics, AdRoll, ZoomInfo, 6sense, jQuery, Slick Slider, Cloudflare DNS
Frameworks
Yoast SEO, HubSpot Marketing, Google Tag Manager
Platforms
WordPress
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • ClientTransferProhibited domain status
  • No DNSSEC enabled (potential improvement area)
  • No exposed sensitive data found in HTML

Analytics and tracking

Services
Google Analytics, HubSpot Analytics, Facebook Analytics, LinkedIn Insight Tag, ZoomInfo, 6sense
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
AdRoll
Tracking pixels
Facebook Pixel, ZoomInfo Pixel, 6sense
Marketing tools
HubSpot
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 presence of integrated marketing and analytics tools
  3. Multiple partner and subsidiary relationships clearly presented
  4. Comprehensive privacy and cookie policies with consent mechanisms
  5. No signs of blocking or WAF interference
  6. Use of modern web technologies and CMS
  7. Security practices are good but could be improved with DNSSEC and additional headers
Technical notes

Notes

The website is powered by WordPress CMS with a modern tech stack including HubSpot, Google Tag Manager, and various analytics and marketing tools. The site uses Cloudflare for DNS but does not have DNSSEC enabled. Performance is moderate with good mobile responsiveness and SEO optimization via Yoast SEO. The site uses jQuery and Slick Slider for UI components. The technical implementation is solid but could benefit from additional security hardening and performance tuning.
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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