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Security report for stone.com.br

Stone Pagamentos · Finance · Brazil

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

Security score

69/100

Risk levelMedium

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

Stone Pagamentos is a leading Brazilian fintech company providing comprehensive payment solutions including card machines, digital business accounts (Conta PJ), credit, insurance, and payment links. The company targets small and medium businesses, microentrepreneurs, and autonomous professionals, positioning itself as a key player in Brazil's financial services market. The website reflects a mature digital presence with professional design, clear navigation, and extensive service offerings. Technically, the site employs modern frameworks such as Next.js and integrates multiple analytics and marketing tools, ensuring good performance and mobile optimization. Security posture is strong with HTTPS, security headers, and anti-bot measures like reCAPTCHA Enterprise, though explicit security policies and incident response information are not published. Overall, the site demonstrates high business credibility and trustworthiness, with clear contact channels and consistent branding.

Scanned

NIS2 and GDPR posture

GDPR outside view
65/ 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

6 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 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';…

  2. GDPR outside view

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

    • 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

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, Twitter, LinkedIn, YouTube, Google APIs

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

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

Keep watching stone.com.br

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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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
20
Email security
85
DNS health
70
Network security
100
GDPR outside view
65
Average
69

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

Stone operates in the finance and technology sectors, focusing on payment processing and digital banking services. Its business model includes hardware sales (card machines), software services (payment links, Pix integration), and financial products (credit, insurance). The company has subsidiaries such as Ton and Pagar.me, expanding its reach to autonomous professionals and e-commerce merchants. Stone's market position is strong in Brazil, leveraging partnerships and a broad service portfolio. The website content and structure support customer acquisition and retention through clear calls to action and multiple contact options. The presence of affiliate programs and marketing tools indicates an active growth and engagement strategy.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, comprehensive security headers, and integration of reCAPTCHA Enterprise to mitigate automated abuse. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of publicly available security policies, incident response contacts, or vulnerability disclosure programs suggests room for improvement in transparency and readiness. The extensive use of third-party analytics and marketing scripts requires ongoing vigilance to manage privacy and security risks. Overall, the security measures align well with industry best practices for fintech websites.

Recommendations

  1. Publish a dedicated security policy and incident response plan on the website to enhance transparency and customer trust.
  2. Implement and publicize a vulnerability disclosure program or security.txt file to encourage responsible reporting of security issues.
  3. Regularly review and audit third-party scripts and tracking tools to minimize privacy risks and potential vulnerabilities.
  4. Enhance privacy compliance disclosures, including detailed data retention policies and user rights information.
  5. Consider adding more explicit trust signals such as certifications, awards, or customer testimonials to strengthen business credibility.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Stone Pagamentos
Description
Conta PJ com cartão grátis, Maquininha com taxas personalizadas, Seguros e atendimento humano em 5 segundos. Bota pra girar com a Stone.
Key services
Card machines (Maquininha), Conta PJ (business account), Credit and capital loans, Insurance products, Payment links and Pix integration, Mobile app for business management
Content quality
excellent
Branding
consistent

Technology

Stack
React (Next.js), Google Tag Manager, Google Analytics, TikTok Pixel, Microsoft Clarity, Hotjar, Facebook Pixel, Google reCAPTCHA Enterprise
Frameworks
Next.js
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Use of reCAPTCHA Enterprise
  • Use of security headers
  • No exposed sensitive data in HTML
  • Secure forms with labels and validation

Analytics and tracking

Services
Google Analytics, TikTok Analytics, Microsoft Clarity, Hotjar, Facebook Analytics
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Rakuten Marketing
Tracking pixels
TikTok Pixel, Facebook Pixel, Microsoft Clarity, Hotjar
Marketing tools
TikTok Analytics, Facebook Analytics, Hotjar
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Strong presence of tracking and analytics scripts indicating extensive user behavior monitoring.
  3. Comprehensive business offerings targeting Brazilian SMEs and microentrepreneurs.
  4. Multiple contact channels including phone and contact forms are clearly presented.
  5. Use of modern web technologies and frameworks ensures good performance and mobile optimization.
  6. No explicit security or incident response policies published on the site.
  7. No vulnerability disclosure or security.txt found.
  8. Social media presence is strong and consistent with brand identity.
Technical notes

Notes

The website is built using Next.js, a modern React framework, ensuring server-side rendering and good SEO performance. Hosting appears to be via Akamai CDN, providing robust global delivery and security features. The site uses multiple analytics and marketing technologies including Google Analytics, TikTok Pixel, Facebook Pixel, Microsoft Clarity, and Hotjar, indicating a sophisticated approach to user behavior analysis and marketing optimization. The site is well-optimized for mobile devices and demonstrates fast loading times. No CMS was explicitly detected, suggesting a custom or proprietary content management solution. The technical implementation is modern and aligns with best practices for fintech digital platforms.
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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