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Security report for trustpay.eu

M A R L O T E C H s.r.o · Finance · Slovakia

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

Security score

66/100

Risk levelMedium

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

Finby, operated by M A R L O T E C H s.r.o, is a Slovakia-based payment solutions provider specializing in secure, scalable cross-border payment services tailored for European e-commerce businesses. The company offers a comprehensive suite of services including card payments, local payment methods, business accounts, and an innovative merchant portal, positioning itself as a niche player in the European payment processing market. The website is professionally designed, mobile-optimized, and SEO-friendly, reflecting a mature digital presence. Hosting infrastructure leverages Microsoft Azure DNS, ensuring reliability and performance. Security posture is strong with HTTPS enforcement, PCI DSS certification, and GDPR-compliant cookie consent mechanisms, although there is room for improvement in publishing explicit security policies and incident response contacts. Overall, Finby demonstrates a high level of business credibility and technical maturity, making it a trustworthy partner for e-commerce payment processing.

Scanned

NIS2 and GDPR posture

GDPR outside view
80/ 100 · Low
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 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 trustpay.eu

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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Recommended

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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
52
Security headers
15
Email security
80
DNS health
70
Network security
100
GDPR outside view
80
Average
66

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

Finby targets European e-commerce merchants seeking seamless cross-border payment solutions. Its competitive advantage lies in offering tailored acquiring services and local payment methods that enhance transaction approval rates and support international growth. The business model revolves around payment processing fees and value-added services such as business accounts and API integrations. The presence of multiple language domains and a merchant portal indicates a customer-centric approach and a growing partnership ecosystem. The company’s longevity since 2012 and PCI DSS certification further reinforce its market position. Strategic observations suggest continued focus on expanding local payment options and digital onboarding to capture more market share in the European fintech space.

Security posture

Finby exhibits a solid security posture with mandatory HTTPS, secure tokenization for card payments, and GDPR-compliant cookie management. The website does not expose sensitive data and uses reputable third-party libraries and plugins. However, the absence of published security policies, incident response procedures, and vulnerability disclosure mechanisms represents a compliance gap. DNSSEC is not enabled, which could be a vector for DNS spoofing attacks. No known vulnerabilities or outdated libraries were detected in the HTML content. Overall, the security maturity is good but could be enhanced by formalizing security governance documentation and improving DNS security.

Recommendations

  1. Enable DNSSEC on the finby.com domain to strengthen DNS security and prevent spoofing.
  2. Publish a dedicated security policy page outlining security frameworks, controls, and incident response procedures.
  3. Implement and report HTTP security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  4. Add a vulnerability disclosure policy or security.txt file to facilitate responsible reporting of security issues.
  5. Consider providing direct contact channels for security incidents (e.g., security@finby.com) to improve incident response readiness.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
M A R L O T E C H s.r.o
Description
finby empowers European e-commerce with secure, scalable cross-border payment solutions. We provide tailored acquiring services and local payment methods that simplify transactions, enhance approval rates, and support your international growth with expert guidance and reliable technology.
Key services
Card payments, Local payment methods, Business accounts, Merchant portal, API integration
Content quality
excellent
Branding
consistent

Technology

Stack
WordPress, Yoast SEO, jQuery, Owl Carousel, Complianz GDPR plugin, WP Rocket
Platforms
WordPress
Performance
fast
Mobile
excellent
Accessibility
good
SEO
excellent

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in mechanism
  • No exposed sensitive data in HTML
  • Use of secure tokenization mentioned for payments

Analytics and tracking

Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
Complianz GDPR Cookie Consent
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 challenge
  2. Strong GDPR compliance with cookie consent and privacy policy
  3. Professional and modern website design with good SEO and mobile optimization
  4. No direct contact emails or phone numbers found; contact via form only
  5. Use of Microsoft Azure DNS servers indicates reliable hosting infrastructure
  6. No explicit security policy or incident response information published
  7. PCI DSS certification displayed as trust indicator
  8. Multiple language versions available (English, Slovak, Czech)
Technical notes

Notes

The website is built on WordPress CMS with modern plugins including Yoast SEO for search optimization and Complianz for GDPR cookie compliance. It uses jQuery and Owl Carousel for interactive UI components and WP Rocket for performance optimization. Hosting is supported by Microsoft Azure DNS infrastructure, indicating a reliable and scalable environment. The site is fully responsive with excellent mobile optimization and accessibility features. SEO is well implemented with comprehensive meta tags, Open Graph data, and JSON-LD structured data. No technical debt or deprecated technologies were detected. Performance is fast with preloading of key assets and asynchronous script loading. Overall, the technical implementation supports a professional and secure online presence.
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. 68/100Medium28 findingsView report
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