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Security report for tbcpay.ge

TBC Pay · Finance · Georgia

Medium risk. 5 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

67/100

Risk levelMedium

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

TBC Pay is a well-established Georgian online payment platform, founded in 2008 and operated under the TBC Bank Group umbrella. It offers a comprehensive suite of payment services including mobile balance top-ups, banking payments, utility bills, transportation fines, and state services. The platform targets Georgian residents and businesses seeking convenient, fast, and secure online payment solutions. The website is professionally designed with excellent content quality, clear navigation, and mobile optimization. Technically, it leverages modern technologies such as React, Google Analytics, Facebook Pixel, and AWS hosting, ensuring good performance and scalability. Security posture is strong with HTTPS, security headers, and secure form handling, though cookie consent mechanisms and explicit security policies could be improved. Overall, the platform demonstrates high business credibility and trustworthiness, supported by consistent WHOIS data and a long domain history.

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

5 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 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 Cookie Policy found

      GDPR requires clear information about cookie usage

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

    • 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

  3. 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.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

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

Keep watching tbcpay.ge

This scan found 25 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
62
Security headers
55
Email security
70
DNS health
60
Network security
100
GDPR outside view
53
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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention tbcpay.ge, from OffSeq Breach.

Total records
1,509
Employees
5
Customers
1,427
Third parties
77
Weak passwords
11%

Latest record dated 2025-11-01 · 19 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for tbcpay.ge.

Select it in the checkout above.

Masked preview

  • –admin.tbcpay.ge2025-11-01
  • –exchange.tbcpay.ge2025-07-25
  • –admin.tbcpay.ge2025-07-20
  • –exchange.tbcpay.ge2025-07-20
  • –exchange.tbcpay.ge2025-07-03

Breach keeps ingesting new leaks, so these numbers can grow between scans.

Open in Breach(opens in a new tab)Monitor on Breach(opens in a new tab)

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

TBC Pay holds a leading position in Georgia's online payment market, leveraging its affiliation with TBC Bank Group to provide a broad range of financial and utility payment services. Its business model centers on facilitating quick and easy payments for over 1000 services, appealing to a wide customer base including individuals and businesses. The platform's integration with multiple service providers and extensive category coverage enhances its competitive advantage. The presence of social media channels and verified domain registration further supports its market credibility. Growth potential is strong given the increasing demand for digital payment solutions in Georgia.

Security posture

The website exhibits a mature security posture with enforced HTTPS, comprehensive security headers, and use of anti-bot measures like Google reCAPTCHA v3. Forms are well-structured with proper labeling, reducing risks of injection or phishing. No exposed sensitive data or vulnerable libraries were detected in the provided content. However, the absence of a published security policy and incident response contact limits transparency. The lack of a cookie consent banner may pose compliance risks under GDPR and local privacy laws. Overall, the platform is secure but could enhance user trust by publishing detailed security and incident response information.

Recommendations

  1. Implement a visible cookie consent banner to comply with GDPR and privacy regulations.
  2. Publish a dedicated security policy page outlining security practices and incident response procedures.
  3. Add a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  4. Enhance contact information with direct support emails and phone numbers for security and general inquiries.
  5. Regularly audit third-party scripts and tracking tools to minimize privacy risks and improve compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
TBC Pay
Description
TBC Pay is an online payment platform offering over 1000 services including mobile balance top-up, banking payments, utilities, transportation fines, and more, enabling users to pay bills easily and quickly from home.
Key services
Mobile balance top-up, Bank payments, Utility bill payments, Transportation fines and parking fees, State services, Microfinance and insurance payments
Content quality
excellent
Branding
consistent

Technology

Stack
React, JavaScript, Google Tag Manager, Google Analytics, Facebook Pixel, Hotjar, LiveChat, Google reCAPTCHA v3
Frameworks
React
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Use of reCAPTCHA v3
  • No exposed sensitive data in HTML
  • Secure forms with labels and placeholders
  • Use of CSP and other headers

Analytics and tracking

Services
Google Analytics, Hotjar, Facebook Pixel
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Facebook Pixel, Hotjar
Marketing tools
LiveChat
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 rich content in Georgian language
  2. Strong focus on online payment services for Georgian market
  3. Multiple payment and transfer methods offered with clear UI
  4. Use of modern web technologies and analytics tools
  5. No visible security or privacy policy gaps except cookie consent
  6. Social media presence on Facebook and LinkedIn
  7. No suspicious or malicious content detected
Technical notes

Notes

The website is built as a React single-page application hosted on AWS infrastructure, utilizing modern JavaScript libraries and frameworks. It integrates multiple third-party analytics and marketing tools including Google Analytics, Facebook Pixel, Hotjar, and LiveChat, enabling rich user behavior insights and customer support. Performance is optimized with asynchronous script loading and font preloading. The site is mobile-optimized with responsive design and accessible navigation. SEO is supported by proper meta tags and Open Graph data. Technical risks are minimal, but continuous monitoring of third-party dependencies is advised to avoid vulnerabilities.
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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