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Security report for transactpro.lv

SIA Transact Pro · Finance · Latvia

Medium risk. 4 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

SIA Transact Pro is a Latvia-based licensed electronic money institution established in 2004, providing comprehensive payment services including card issuing, payment processing, and gateway services. It holds principal memberships with Visa and Mastercard and operates under the supervision of the Bank of Latvia. The company targets corporate clients, e-commerce businesses, and financial institutions, offering tailored payment solutions and card products such as debit, credit, prepaid, gift, loyalty, and virtual cards. The business is affiliated with Transact Bank N.A., enhancing its banking and financial service capabilities. Technically, the website employs modern JavaScript libraries and integrates Google Tag Manager, Google Analytics, and Yandex Metrica for analytics and user tracking. The site is mobile-optimized with good navigation and professional design. Security measures include HTTPS enforcement, PCI level 1 compliance claims, and use of Google reCAPTCHA for form protection. However, explicit security policies and incident response information are not published, representing an area for improvement. The security posture is strong with no visible vulnerabilities or exposed sensitive data. Privacy compliance is moderate due to the presence of a cookie policy and consent mechanism but lacks a dedicated privacy policy page. Contact information is clearly provided with multiple channels including phone, email, and physical address. Overall, the website and business demonstrate high trustworthiness and professionalism. Strategically, the company should focus on publishing comprehensive privacy and security policies, enhancing accessibility, and formalizing incident response and vulnerability disclosure processes to strengthen compliance and customer trust.

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

4 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 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 transactpro.lv

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

Email alerts on material changes and an exportable JSON history of every change.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
67
Security headers
50
Email security
70
DNS health
60
Network security
100
GDPR outside view
68
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

Transact Pro holds a strong market position as the first licensed electronic money institution in Latvia with principal memberships in major payment networks. Its business model revolves around providing in-house payment processing and card issuing services, targeting corporate and financial sector clients. The company leverages its affiliation with Transact Bank N.A. to offer banking-grade services. Revenue streams likely include transaction fees, card issuance fees, and gateway service charges. The presence of multilingual 24/7 support and a portfolio of card products indicates a customer-centric approach. Partnerships with Visa, Mastercard, and regulatory bodies enhance credibility and market reach. Growth indicators include recent news about platform launches and capital increases. The company maintains a professional online presence with clear branding and client references.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and PCI level 1 compliance claimed, indicating adherence to high security standards for payment services. Use of Google reCAPTCHA protects forms from automated abuse. No security headers were detected in the HTML content, suggesting room for improvement in HTTP header security. There is no publicly available security policy or incident response information, which limits transparency. No vulnerabilities or exposed sensitive data were found in the content. Privacy compliance is partial, with cookie consent mechanisms but no dedicated privacy policy page. Incident response readiness and vulnerability disclosure practices are not evident. Overall, the security posture is strong but could benefit from enhanced transparency and additional security controls.

Recommendations

  1. Publish a comprehensive privacy policy page detailing data processing and GDPR compliance.
  2. Add a dedicated security policy and incident response information to improve transparency.
  3. Implement security HTTP headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  4. Enhance website accessibility features to meet WCAG standards.
  5. Establish and publicize a vulnerability disclosure program or security.txt file.

Contact details published on the site

Addresses
Legal name
SIA Transact Pro
VAT number
LV41503033127
Registration number
41503033127
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
SIA Transact Pro
Description
Latvia-based licensed provider of payment card issuing, acquiring and online payment acceptance tailored services
Key services
Payment processing, Card issuing (debit, credit, prepaid, gift, loyalty, virtual cards), Payment gateway services, SWIFT and SEPA payments, Risk and chargeback management
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, jQuery, Google Tag Manager, Google Analytics, Google reCAPTCHA, Yandex Metrica
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of Google reCAPTCHA for forms
  • PCI level 1 compliance claimed
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, Yandex Metrica
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Yandex Metrica
Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with rich content
  2. Clear business focus on payment services and card issuing
  3. Strong trust signals with licensing and certifications
  4. Use of modern tracking and analytics tools
  5. No visible security or privacy policy pages
  6. Contact information is clearly presented and consistent
  7. No signs of blocking or WAF interference
Technical notes

Notes

The website uses a modern JavaScript-based front-end with asynchronous loading of analytics and reCAPTCHA scripts, indicating good performance practices. Google Tag Manager and analytics tools are integrated for marketing and user behavior tracking. The site is mobile responsive with adaptive images and parallax effects. No CMS or backend platform was explicitly detected, suggesting a custom or static site architecture. Hosting provider details are not disclosed in the HTML. Performance is moderate with room for optimization. The site lacks some advanced accessibility features but has clear navigation and structured content. Technical risks are low, but the absence of security headers and published policies could pose compliance risks.
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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