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Security report for trustly.com

Trustly Group AB · Finance · Sweden

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

Security score

77/100

Risk levelLow

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

Trustly Group AB operates a leading fintech platform specializing in instant, secure Pay by Bank payment solutions connecting merchants and consumers across multiple markets and banks. The company serves over 9,000 merchants and 650 million consumers, positioning itself as a major player in the open banking and payment processing industry. Their website reflects a mature digital presence with multilingual support and rich multimedia content, emphasizing business growth and seamless payment experiences. Technically, the site leverages modern web technologies including Webflow CMS, Wistia for video, and Piwik PRO for analytics, ensuring good performance and accessibility. Security posture is strong, with HTTPS enforced, ISO 27001 certification, and enterprise-grade protection highlighted. However, the absence of WHOIS registration data introduces some uncertainty regarding domain legitimacy, though the overall business credibility remains high based on content and certifications. Privacy compliance is well addressed with clear privacy and cookie policies and consent mechanisms. Strategic recommendations include publishing explicit incident response and vulnerability disclosure policies and enhancing transparency on data retention and security contacts.

Scanned

This is an earlier scan of trustly.com. View the latest report

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: 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

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

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's market positioning as a global Pay by Bank payment provider is supported by its extensive merchant and consumer network. The business model focuses on providing direct bank payment services, data services, payouts, recurring payments, and deposits, targeting sectors such as finance, e-commerce, travel, utilities, and gaming. The company benefits from strong partnerships and regional subsidiaries, enabling localized service delivery. Revenue streams likely include transaction fees and service subscriptions. The website's professional design and comprehensive content indicate a well-established brand with consistent messaging and trust signals such as certifications and enterprise-grade security. Growth indicators include expansion into 33 markets and continuous product innovation like the Trustly Azura platform.

Security posture

Trustly demonstrates a mature security posture with HTTPS enforced, presence of key security headers, and ISO 27001 certification. The website avoids exposing sensitive data and uses secure multimedia embedding practices. However, there is no explicit public incident response or vulnerability disclosure policy found, which could be improved to enhance transparency and readiness. No security contact emails were identified, limiting direct communication channels for security incidents. Privacy compliance is strong with GDPR-aligned policies and cookie consent mechanisms. Overall, the security culture appears robust but could benefit from enhanced incident response visibility and community engagement on security matters.

Recommendations

  1. Publish a clear and accessible incident response policy and security contact information on the website.
  2. Establish and publicize a vulnerability disclosure program to encourage responsible reporting.
  3. Enhance transparency around data retention policies and user data handling practices.
  4. Maintain and regularly update security certifications and communicate these to users.
  5. Continue investing in website accessibility and performance optimization to improve user experience.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Trustly Group AB
Description
Trustly provides secure, instant bank payments and Pay by Bank products connecting merchants and consumers across multiple markets and banks.
Key services
Payment, Data Services, Payout, Recurring Payments, Deposit, Trustly Azura platform
Content quality
excellent
Branding
consistent

Technology

Stack
Webflow CMS, Wistia video player, GSAP animations, Splide carousel, Piwik PRO analytics, Sentry error tracking
Performance
moderate
Mobile
good
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 and mute controls

Analytics and tracking

Services
Piwik PRO
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Facebook Pixel
Tracking pixels
Piwik PRO
Marketing tools
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 payment solutions and financial technology
  3. Multiple language support and regional subdomains
  4. Good security posture with HTTPS and security certifications
  5. No exposed sensitive data or vulnerabilities detected
  6. No WHOIS data available, which is unusual for a large enterprise
Technical notes

Notes

The website is built on Webflow CMS, utilizing modern front-end technologies such as GSAP for animations and Splide for carousels, ensuring a dynamic and engaging user interface. Video content is delivered via Wistia with accessibility features like captions and mute controls. Analytics and error tracking are implemented using Piwik PRO and Sentry, respectively, indicating a mature approach to monitoring and performance management. The site is mobile optimized and includes accessibility features such as focus outlines and ARIA roles. Performance is moderate, with potential for further optimization. The absence of hosting provider details limits full infrastructure assessment. Overall, the technical implementation supports a professional and secure digital presence aligned with business goals.
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. 78/100 +6Low22 findingsView report
  2. 72/100Medium22 findingsView report
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