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Security report for trustly.com

Trustly · Finance · Sweden

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

Security score

78/100

Risk levelLow

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

Trustly is a leading financial technology company specializing in instant, secure Pay by Bank payment solutions. Serving over 9,000 merchants and connecting 650 million consumers across 33 markets, Trustly offers a comprehensive suite of payment and data services designed to streamline digital payments and reduce friction. The company positions itself as a global leader in the open banking payments space, emphasizing security, speed, and convenience. Technically, the website is built on modern web technologies including Webflow CMS, Wistia for video content, and Piwik PRO alongside Google Tag Manager for analytics. The site demonstrates excellent performance, mobile optimization, and accessibility features, reflecting a mature digital infrastructure. Security is robust with HTTPS enforced, multiple security headers, and ISO 27001 certification prominently highlighted. From a security posture perspective, Trustly maintains enterprise-grade protection with comprehensive compliance and security information publicly available. However, the absence of explicit incident response contacts and vulnerability disclosure pages suggests areas for improvement. The WHOIS data is unavailable, which is unusual for a major financial services provider, but the website's professionalism and trust signals mitigate concerns. Overall, Trustly's website reflects a high level of professionalism, security, and business credibility, making it a trustworthy platform for financial transactions. Strategic recommendations include enhancing transparency around incident response and vulnerability disclosures to further strengthen trust and compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
50/ 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 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

      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

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, LinkedIn, YouTube, Cloudflare

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

  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 trustly.com

This scan found 15 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

€39.90one-time

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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
77
Security headers
70
Email security
87
DNS health
85
Network security
100
GDPR outside view
50
Average
78

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

Trustly operates in the finance and technology sectors, focusing on Pay by Bank payment solutions that leverage open banking infrastructure. Its business model centers on providing direct bank payment services, data verification, payouts, recurring payments, and deposits to a broad range of industries including travel, utilities, e-commerce, financial services, and gaming. The company targets large enterprises and merchants seeking to optimize payment conversions and reduce costs. Trustly's extensive merchant base and consumer reach position it as a market leader with significant competitive advantages in speed, security, and global reach. The partnership ecosystem includes integrations with thousands of banks and major brands, supporting a scalable and sustainable growth trajectory.

Security posture

Trustly demonstrates a mature security posture with HTTPS enforced, strong security headers, and ISO 27001 certification. The website includes detailed security and compliance pages, indicating a commitment to enterprise-grade protection. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of publicly available incident response contacts and vulnerability disclosure mechanisms represents a compliance gap. The cookie consent mechanism and privacy policy indicate GDPR compliance. Overall, the security culture appears strong but could benefit from enhanced transparency and formalized vulnerability reporting channels.

Recommendations

  1. Publish explicit incident response contact information and procedures on the website.
  2. Implement and publicize a vulnerability disclosure policy or security.txt file.
  3. Provide contact details for the Data Protection Officer to improve GDPR transparency.
  4. Regularly audit and update third-party scripts to mitigate potential vulnerabilities.
  5. Enhance user trust by showcasing additional certifications and compliance attestations.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Trustly
Description
Trustly connects leading brands and millions of consumers for instant, secure bank payments. They serve over 9,000 merchants across 33 markets, connecting 650 million consumers through 12,000 banks.
Key services
Payment, Data Services, Payout, Recurring Payments, Deposit, Trustly Azura platform
Content quality
excellent
Branding
consistent

Technology

Stack
Webflow, Wistia video player, Google Tag Manager, Piwik PRO analytics, GSAP animations, Splide carousel
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Enterprise-grade protection page
  • ISO 27001 certification
  • Secure video embedding with captions
  • Cookie consent mechanism

Analytics and tracking

Services
Piwik PRO, Google Analytics (via GTM)
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Facebook Pixel, Piwik PRO
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 and multimedia
  2. Strong focus on business-to-business payment solutions
  3. Multiple language support and regional targeting
  4. Comprehensive security and compliance information available
  5. No direct contact emails or phone numbers publicly listed, contact via forms
  6. Use of modern web technologies and analytics tools
  7. No signs of adult or questionable content
  8. No visible vulnerabilities or security issues in HTML content
Technical notes

Notes

The website leverages a modern technology stack including Webflow CMS, Wistia video embedding, GSAP animations, and Splide carousels, ensuring a rich and interactive user experience. Analytics are managed via Piwik PRO and Google Tag Manager, supporting comprehensive data collection and marketing efforts. The site is well-optimized for performance and mobile responsiveness, with good accessibility features such as focus outlines and ARIA roles. No technical debt or deprecated technologies were observed. Hosting details are not explicit but the use of CDN and modern frameworks suggests a reliable infrastructure. Opportunities exist to further enhance technical SEO and implement advanced security headers for defense in depth.
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

Earlier scans of this domain

  1. 77/100 +5Low22 findingsView report
  2. 72/100Medium22 findingsView report
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