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Security report for paybynet.pl

Krajowa Izba Rozliczeniowa S.A. · Finance · Poland

Medium risk. 6 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

67/100

Risk levelMedium

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

Krajowa Izba Rozliczeniowa S.A. (KIR) is a leading Polish financial infrastructure provider specializing in interbank clearing and payment services. Their website highlights the Paybynet service, which enables fast internet payments directly from client bank accounts to e-commerce stores, offering immediate payment confirmation and written payment guarantees. The company targets e-commerce businesses, banks, and corporations, positioning itself as a trusted and secure payment facilitator in the Polish market. The website is professionally designed, mobile-optimized, and provides comprehensive information about their services and related offerings.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 100 · Critical
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

6 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

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • 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

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Twitter, LinkedIn, YouTube

      What to do: Document all third-party data sharing in your privacy policy

  2. 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';…

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Keep watching paybynet.pl

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.

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  • 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
72
Security headers
65
Email security
60
DNS health
80
Network security
100
GDPR outside view
25
Average
67

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

KIR operates in the finance and banking sector, providing critical payment processing infrastructure and digital identity verification services. Their business model revolves around enabling secure, fast, and guaranteed payment transactions for e-commerce and banking clients. The company leverages partnerships with specialized service providers such as mSzafir, mojeID, and Express Elixir to offer a broad portfolio of financial and identity services. The website's content and linked domains indicate a mature ecosystem with strong market presence and trusted partnerships, supporting growth and innovation in open banking and payment technologies.

Security posture

The website enforces HTTPS with SSL encryption and uses Google reCAPTCHA to mitigate automated abuse. Payment information is transmitted securely using SSL protocols, and cookie consent mechanisms are implemented to comply with privacy regulations. However, explicit security headers like Content-Security-Policy and X-Frame-Options are not visibly set, representing an area for improvement. No vulnerabilities or exposed sensitive data were detected in the analysis. The absence of a published security policy or incident response contact limits transparency but does not indicate immediate risk. Overall, the security posture is solid but could benefit from enhanced header policies and published security documentation.

Recommendations

  1. Implement and enforce Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options HTTP headers to strengthen security.
  2. Publish a clear security policy and incident response contact information on the website to improve transparency and trust.
  3. Regularly audit third-party scripts and dependencies to ensure no vulnerable libraries are included.
  4. Enhance cookie consent mechanisms with detailed data retention and processing information to improve privacy compliance.
  5. Consider obtaining and displaying relevant security certifications (e.g., ISO 27001) to reinforce trust with clients.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Krajowa Izba Rozliczeniowa S.A.
Description
KIR provides fast internet payment services (Paybynet) enabling direct bank account transfers from clients to e-shops, with guarantees and security features.
Key services
Paybynet - fast internet payments, Electronic signatures (mSzafir, Szafir), Banking clearing systems (Elixir, Euro Elixir, Express Elixir), Open banking interfaces (HUB PSD2, R-HUB), Identity verification (mojeID)
Content quality
good
Branding
consistent

Technology

Stack
Google Tag Manager, Google reCAPTCHA, SSL/TLS, CSS3, JavaScript
Frameworks
Unknown CMS framework (custom or proprietary)
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Encrypted data exchange via SSL
  • Use of Google reCAPTCHA for bot protection
  • Cookie consent mechanism implemented

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Transparency
basic

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is fully accessible with rich content.
  2. Professional financial services provider in Poland.
  3. Strong focus on payment services and open banking.
  4. Good privacy and cookie policy implementation.
  5. No visible security or content blocking mechanisms.
  6. No exposed sensitive data or vulnerabilities detected.
  7. Use of modern tracking and security technologies.
  8. WHOIS data unavailable, limiting domain registration trust analysis.
Technical notes

Notes

The website uses modern web technologies including CSS3, JavaScript, Google Tag Manager, and Google reCAPTCHA. It appears to be custom-built or uses a proprietary CMS, with no explicit CMS detected. The site is mobile-optimized and accessible, with good SEO practices including meta tags and Open Graph data. Performance is moderate, with asynchronous loading of scripts to improve speed. Hosting provider details are not disclosed. The technical implementation supports a professional and secure user experience but could be enhanced with additional security headers and performance optimizations.
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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