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Security report for payconomy.de

Payconomy GmbH · Technology · Germany

Medium risk. 6 critical or high findings in GDPR outside view and Security headers.

Security score

64/100

Risk levelMedium

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

Payconomy GmbH is a small German technology company specializing in payment automation, order to cash consulting, and enterprise software engineering. The company positions itself as a neutral expert across industries, offering consulting and SaaS solutions primarily focused on billing, finance, and payment automation. Their SAP Silver Partner status enhances their market credibility and indicates a strong partnership with SAP, targeting businesses seeking to digitize and automate payment processes. The website content is professional and well-structured, targeting B2B clients in need of scalable and automated payment solutions. Technically, the website employs Bootstrap and jQuery for frontend development and is hosted on Hetzner infrastructure. Performance is moderate with basic mobile optimization and SEO practices. Security-wise, the site supports modern TLS protocols (TLS 1.3 and 1.2) and has a valid SPF record, but lacks advanced security features such as HSTS, DMARC, DNSSEC, and OCSP stapling. The SSL certificate is valid but not compliant with Certificate Transparency standards, indicating room for improvement in trust and security posture. Overall, the security posture is moderate with no critical vulnerabilities detected but missing several best practices that could enhance protection against phishing and DNS attacks. The absence of cookie consent and limited privacy policy details suggest partial GDPR compliance. The company provides physical contact information but no direct email or phone contacts on the main page, which may affect user engagement and trust. Strategic improvements in security headers, privacy compliance, and contact transparency would strengthen their digital maturity and customer confidence.

Scanned

NIS2 and GDPR posture

GDPR outside view
18/ 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 Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

  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 Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • 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';…

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

Keep watching payconomy.de

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
92
Security headers
15
Email security
85
DNS health
75
Network security
100
GDPR outside view
18
Average
64

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

Payconomy GmbH operates in the technology sector with a focus on payment automation and consulting services. Their business model revolves around B2B SaaS offerings and consulting engagements, targeting enterprises looking to optimize order to cash processes and payment workflows. The SAP Silver Partner certification is a key competitive advantage, enabling access to SAP's ecosystem and enhancing credibility. The company appears to be small-sized, founded around 2019, and based in Berlin, Germany. Their market positioning is that of a specialized niche player offering scalable and automated payment solutions. The absence of visible phone or email contacts on the main page suggests a controlled lead generation approach, possibly relying on direct outreach or contact forms on other pages. The partnership ecosystem includes SAP and Microsoft (via Outlook mail protection). Growth indicators are not explicit but the professional website and certifications imply a stable operational status.

Security posture

The current security maturity of Payconomy.de is moderate. The website uses strong TLS protocols (TLS 1.3 and 1.2) and has no known SSL vulnerabilities such as Heartbleed, FREAK, or Logjam. SPF is configured and valid, helping to prevent email spoofing. However, the lack of DMARC and DNSSEC leaves the domain vulnerable to phishing and DNS attacks. The absence of HSTS and OCSP stapling reduces protection against man-in-the-middle attacks and slows SSL certificate validation. No security.txt or incident response contact information is published, indicating limited transparency and preparedness for security incidents. GDPR compliance is partial, with a privacy policy present but no cookie consent mechanism. Overall, the security culture appears basic with room for significant improvements in email security, DNS integrity, and user privacy protections.

Recommendations

  1. Enable HTTP Strict Transport Security (HSTS) with includeSubDomains and preload to enforce HTTPS and protect against protocol downgrade attacks.
  2. Implement a DMARC policy to complement the existing SPF record and improve email domain protection against spoofing and phishing.
  3. Enable OCSP stapling on the web server to improve SSL certificate validation performance and security.
  4. Deploy DNSSEC to secure DNS queries and prevent DNS spoofing or cache poisoning attacks.
  5. Publish a security.txt file and provide clear incident response contact channels to improve transparency and readiness.

Contact details published on the site

Addresses
Legal name
Payconomy GmbH
Technical notes

Notes

The website is built using Bootstrap and jQuery, indicating a standard responsive frontend framework. Hosting is provided by Hetzner, a reputable German hosting provider. DNS records are well configured with multiple authoritative nameservers and a valid SPF record. SSL configuration supports modern protocols but lacks advanced features like OCSP stapling and HSTS. Performance is moderate with a page load time of approximately 2.5 seconds and a page size of about 298 KB, which is acceptable but could be optimized. Mobile optimization and accessibility are basic, suggesting potential improvements in responsive design and usability. No CMS or backend technologies are explicitly detected from the HTML content. The absence of analytics or tracking scripts indicates minimal user tracking, aligning with privacy-conscious practices but limiting marketing insights.
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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