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Security report for payhawk.com

Payhawk · Finance · Germany

Medium risk. 2 critical or high findings in SSL/TLS and GDPR outside view.

Security score

67/100

Risk levelMedium

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

Payhawk is a leading global platform specializing in business expense management, offering a comprehensive suite of services including corporate Visa cards, expense management tools, accounts payable automation, and multi-entity financial oversight. The company targets medium to large enterprises and multinational corporations, providing real-time transparency and control over business expenditures. Their platform integrates seamlessly with major ERP and accounting systems, leveraging AI to automate up to 90% of financial processes, thereby enhancing operational efficiency and reducing manual workload. Payhawk maintains a strong market position with multiple international subsidiaries and a robust compliance framework.

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

2 findings rated critical or high. Fix these first.

  1. 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.

    • Critical

      Unable to retrieve SSL certificate

      Could not establish secure connection to retrieve certificate information

      What to do: Check if the server is accessible and SSL/TLS is properly configured

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • 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

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Keep watching payhawk.com

This scan found 14 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
0
Security headers
80
Email security
70
DNS health
85
Network security
100
GDPR outside view
68
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

Payhawk's competitive advantage lies in its tailored solutions for mid-sized and large companies, global reach with dedicated IBANs and card issuance across Europe, the US, and the UK, and advanced finance features such as 2- and 3-way matching, customizable workflows, and automated HR integrations. The company benefits from a strong partner ecosystem and a customer-centric approach with dedicated onboarding and multilingual support. Their business model is SaaS-based, focusing on recurring revenue through subscription plans and value-added financial services. Growth indicators include expanding AI capabilities and broadening international payment coverage.

Security posture

Payhawk demonstrates a mature security posture with compliance to PCI DSS Level 1, SOC1, SOC2, and ISO 27001 standards. The platform employs advanced security controls including dedicated IBANs with segregated funds, intelligent card controls, and encrypted data handling. HTTPS is enforced site-wide, and security headers are properly configured. However, the absence of a publicly available incident response policy and vulnerability disclosure program suggests room for improvement in transparency and proactive security communication. Overall, the security culture appears strong, supported by regulatory licenses and certifications.

Recommendations

  1. Publish a clear incident response and vulnerability disclosure policy to enhance transparency and trust.
  2. Provide dedicated security contact channels such as security@payhawk.com for reporting issues.
  3. Regularly audit and update third-party libraries to mitigate potential vulnerabilities.
  4. Enhance data retention and privacy policy disclosures to align with GDPR best practices.
  5. Consider implementing a security.txt file to facilitate responsible vulnerability reporting.

Contact details published on the site

Addresses
Legal name
Payhawk GmbH
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Payhawk
Description
100 % Echtzeittransparenz & Kontrolle Ihrer betrieblichen Ausgaben auf einer Plattform. Profitieren Sie von Firmenkarten, Spesentools und smarten Integrationen!
Key services
Firmenkarten (Visa Debit und Kreditkarten), Ausgabenmanagement, Spesenmanagement, Kreditorenbuchhaltung, Multi-Entity Management, Internationale Zahlungen, ERP- und Buchhaltungsintegration, AI-gestützte Automatisierung
Content quality
excellent
Branding
consistent

Technology

Stack
Next.js, React, PostHog (Analytics), Google Tag Manager, RESTful API, Webhooks, Video streaming (MP4, WebM), CSS Modules
Frameworks
Next.js
Platforms
Web, iOS, Android, Windows, macOS, Linux
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Use of PCI DSS Level 1 standards
  • SOC1 and SOC2 compliance
  • ISO 27001 certification
  • Dedicated IBANs with funds segregation
  • Advanced card controls and approval workflows
  • Regular security audits implied

Analytics and tracking

Services
PostHog, Google Tag Manager
Tracking level
minimal
Privacy practices
good

Advertising

Tracking pixels
PostHog
Marketing tools
PostHog
Transparency
good

Site quality

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

Key observations

  1. Comprehensive multi-language support with hreflang tags
  2. Strong focus on compliance and security certifications
  3. Multiple international subsidiaries with local addresses and phone numbers
  4. Use of modern web technologies and analytics with privacy opt-out
  5. Clear business and product descriptions with detailed FAQs
  6. No signs of suspicious or malicious content
Technical notes

Notes

The website is built on a modern tech stack using Next.js and React, ensuring fast performance and excellent mobile optimization. Hosting leverages Google Cloud Storage for media assets, and analytics are managed via PostHog and Google Tag Manager with privacy-conscious configurations. The site features comprehensive SEO and accessibility optimizations, including hreflang tags for multilingual support. Technical risks are minimal, with no exposed sensitive data or vulnerable libraries detected. Opportunities exist to further modernize by integrating automated security scanning and enhancing incident response readiness.
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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