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Security report for psi-pay.co.uk

PSI-Pay Ltd · Finance · United Kingdom

Medium risk. 7 critical or high findings in Email security, Security headers and 2 other checks.

Security score

60/100

Risk levelMedium

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

PSI-Pay Ltd is a UK-based financial services company specializing in international payment solutions, particularly focusing on Mastercard® and Discover payment networks. Established in 2007, the company operates under FCA authorization for electronic money issuance, positioning itself as a transparent and efficient payment processor serving global business clients. Their key offerings include payment processing, regulatory compliance support, and partner sponsorship programs. The website reflects a professional and consistent brand image with clear navigation and relevant content aimed at businesses requiring payment and compliance services. Technically, the website is built on WordPress with a custom theme and uses legacy technologies such as jQuery 1.12.3 and Font Awesome 4.5.0. The site is moderately optimized for performance and mobile devices but lacks advanced accessibility features and modern security headers. No analytics or tracking scripts were detected, indicating minimal user tracking. The site is fully accessible without WAF or blocking mechanisms. From a security perspective, the site enforces HTTPS but lacks visible security headers and uses an outdated jQuery version, which could pose vulnerabilities. There is no published security policy or incident response contact information, and cookie consent mechanisms are absent, representing compliance gaps. The domain WHOIS data is consistent with the business claims, showing a long-standing registration and no privacy protection, supporting legitimacy. Overall, PSI-Pay's website demonstrates good business credibility and content quality but requires improvements in privacy compliance, security best practices, and technical modernization to enhance trust and reduce risk.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 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

7 findings rated critical or high. Fix these first.

  1. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

  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';…

  3. 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

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

Keep watching psi-pay.co.uk

This scan found 26 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
65
Security headers
15
Email security
60
DNS health
65
Network security
100
GDPR outside view
53
Average
60

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

PSI-Pay operates in the finance sector, providing specialized payment processing and regulatory compliance services globally. Their market positioning is strengthened by FCA authorization and partnerships with major payment networks like Mastercard and Discover. The business model focuses on B2B payment solutions, including partner sponsorship programs that facilitate regulatory compliance and fund safeguarding. The company targets businesses needing international payment capabilities and regulatory adherence. Growth indicators include a stable online presence since 2006 and active partnerships with recognized industry players. The partnership ecosystem includes major payment networks and industry forums, enhancing credibility and market reach. Strategic observations suggest PSI-Pay maintains a niche focus on regulated payment services with an emphasis on transparency and efficiency.

Security posture

The website's security maturity is moderate. HTTPS is enforced, which is mandatory for secure communications. However, the absence of security headers such as Content Security Policy, HSTS, and X-Frame-Options reduces protection against common web attacks. The use of an outdated jQuery version introduces potential vulnerabilities. No exposed sensitive data or credentials were found, and no visible signs of malware or phishing were detected. The lack of a published security policy and incident response contacts indicates limited transparency in security governance. GDPR compliance is partial, with a privacy policy present but lacking detailed compliance statements and no cookie consent mechanism. Incident response readiness and security culture indicators are not evident from the website content. Overall, the security posture is functional but requires enhancements to meet best practices and regulatory expectations.

Recommendations

  1. Implement comprehensive security headers including CSP, HSTS, and X-Frame-Options to mitigate common web vulnerabilities.
  2. Add a cookie policy and consent mechanism to comply with GDPR and enhance user privacy transparency.
  3. Upgrade jQuery and other JavaScript libraries to their latest secure versions to reduce vulnerability risks.
  4. Publish a detailed security policy and incident response contact information to improve transparency and trust.
  5. Enhance mobile optimization and accessibility features to improve user experience and compliance with accessibility standards.

Contact details published on the site

Addresses
Legal name
PSI-Pay Ltd
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
PSI-Pay Ltd
Description
PSI-Pay provides payment solutions globally, specializing in Mastercard® and Discover payment activities including reporting, settlement, approvals, and FCA regulatory compliance.
Key services
International payment processing, Mastercard and Discover reporting and settlement, FCA compliance and AML mandates, Partner sponsorship programs
Content quality
good
Branding
consistent

Technology

Stack
jQuery 1.12.3, Font Awesome 4.5.0
Performance
moderate
Mobile
basic
Accessibility
basic
SEO
basic

Security

Observed score
70/100
Good practices seen
  • HTTPS enforced (implied by URL https://)
  • No exposed sensitive data in HTML

Analytics and tracking

Tracking level
minimal
Privacy practices
poor

Advertising

Transparency
poor

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. No cookie policy or consent mechanism found, which is a GDPR compliance gap.
  3. Privacy policy and terms & conditions pages are present but privacy policy lacks detail on GDPR compliance.
  4. No explicit security policy or incident response information published.
  5. No contact emails or phone numbers explicitly found in the HTML content; contact likely via contact form.
  6. Social media presence on LinkedIn and Twitter confirmed.
  7. Website uses older jQuery version which may pose security risks.
  8. No analytics or tracking scripts detected.
  9. Site uses WordPress CMS with custom theme.
  10. No visible advertising or affiliate marketing detected.
Technical notes

Notes

The website is built on WordPress CMS with a custom theme and uses legacy front-end libraries such as jQuery 1.12.3 and Font Awesome 4.5.0. The site loads external CSS from MaxCDN and hosts images and scripts on its own domain. Performance is moderate with basic mobile responsiveness implemented via CSS and JavaScript. Navigation is clear with a structured menu and dropdowns. No modern JavaScript frameworks or advanced SEO structured data (JSON-LD, Open Graph) were detected. The site lacks analytics and tracking scripts, indicating minimal data collection. Technical debt is present due to outdated libraries and missing security headers. Opportunities exist for modernization including upgrading dependencies, implementing modern SEO and accessibility standards, and improving performance metrics.
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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