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Security report for twisto.cz

Twisto payments a.s. · Finance · Czech Republic

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

Security score

69/100

Risk levelMedium

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

Twisto payments a.s. operates a Czech fintech platform offering buy now, pay later services, including deferred payments up to 45 days and installment plans. The company targets consumers and e-shops within the Czech Republic, providing a mobile app to manage payments and financial services. The website is professionally designed, mobile-optimized, and provides clear navigation and product information, reflecting a mature digital presence. Technically, the site uses modern analytics and marketing tools such as Google Tag Manager, Microsoft Clarity, and Facebook Pixel, integrated with a cookie consent mechanism to comply with privacy regulations. Security posture is strong with HTTPS enforced and standard security headers present, though explicit security policies and incident response contacts are not published. WHOIS data is unavailable due to privacy or registry restrictions, but the website and external references support legitimacy. Overall, the site demonstrates a solid business and technical foundation with room for enhanced transparency in security and incident response.

Scanned

This is an earlier scan of twisto.cz. View the latest report

NIS2 and GDPR posture

GDPR outside view
40/ 100 · High
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. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • 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

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, YouTube, Cloudflare

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

  2. 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';…
  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 twisto.cz

This scan found 22 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

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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
45
Email security
75
DNS health
90
Network security
100
GDPR outside view
40
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

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 twisto.cz, from OffSeq Breach.

Total records
13,493
Employees
0
Customers
13,492
Third parties
1
Weak passwords
12%

8 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 twisto.cz.

Select it in the checkout above.

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

Technical appendix

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

Business context

Business profile

Twisto is positioned as a leading fintech provider in the Czech market, focusing on flexible payment solutions for consumers and e-commerce merchants. Their business model revolves around deferred payments and installment plans, facilitated through a proprietary mobile app. The company leverages partnerships with major app stores and integrates customer support via third-party chat services. The website content and structure indicate a medium-sized enterprise with a clear focus on financial technology. Growth indicators include active marketing, app presence, and comprehensive product offerings. The absence of WHOIS data is typical for fintech firms prioritizing privacy. Strategic observations suggest Twisto maintains a competitive edge through user-friendly services and strong digital engagement.

Security posture

The website enforces HTTPS and includes key security headers such as Content-Security-Policy and Strict-Transport-Security, indicating a good baseline security posture. Cookie consent and privacy compliance mechanisms are implemented, reflecting awareness of GDPR requirements. However, the absence of a published security policy or incident response contact details limits transparency and may hinder rapid response to security incidents. No vulnerabilities or exposed sensitive data were detected in the HTML content. The use of multiple third-party analytics and marketing scripts necessitates ongoing monitoring to mitigate supply chain risks. Overall, the security maturity is good but could be improved by publishing formal security and incident response documentation.

Recommendations

  1. Publish a dedicated security policy page detailing security practices and controls.
  2. Provide clear incident response contact information, including security@ or abuse@ email addresses.
  3. Implement and publish a vulnerability disclosure program or security.txt file.
  4. Regularly audit and update third-party scripts to minimize supply chain vulnerabilities.
  5. Enhance transparency on data retention and privacy policies to strengthen user trust.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Twisto payments a.s.
Description
Plať po svém. Nakupuj a plať do 45 dnů nebo později. Díky Twisto appce máš všechny svoje platby, splátky a jiné služby pohromadě.
Key services
Plať do 30 dnů (Pay up to 30 days later), Plať po třetinách (Pay in three installments), Twisto účet (Twisto account with payment and installment options)
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Microsoft Clarity, Facebook Pixel, Daktela Web Chat
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism implemented
  • No exposed sensitive data in HTML
  • Use of modern analytics and tracking with consent

Analytics and tracking

Services
Google Analytics, Microsoft Clarity, Facebook Pixel
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google Ads, DoubleClick
Tracking pixels
Facebook Pixel, Microsoft Clarity
Marketing tools
Facebook Pixel, Microsoft Clarity
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 Czech language.
  2. No WHOIS data available due to registry privacy or query failure.
  3. Strong presence of cookie consent and privacy compliance mechanisms.
  4. Multiple external trusted domains linked for app downloads and analytics.
  5. No signs of malicious or suspicious content detected.
  6. No explicit security policy or incident response contacts published.
  7. Modern tracking and marketing tools used with consent management.
  8. Website is mobile optimized and well structured for user experience.
Technical notes

Notes

The website employs a modern technology stack including JavaScript frameworks, Google Tag Manager, Microsoft Clarity for user behavior analytics, and Facebook Pixel for marketing. It integrates a third-party chat service for customer support. The site is mobile-optimized with responsive design and uses web fonts and SVG icons for visual consistency. Performance is moderate, with asynchronous loading of scripts to improve speed. SEO is supported by proper meta tags and Open Graph data. No CMS was explicitly detected, suggesting a custom or proprietary platform. Hosting provider details are not disclosed. Technical risks include reliance on multiple third-party scripts which require vigilant security management.
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. 75/100Medium13 findings · partial scanView report
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