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Security report for visa.lv

Visa · Finance · Latvia

Medium risk. 4 critical or high findings in Email security and SSL/TLS.

Security score

69/100

Risk levelMedium

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

Visa.lv is the Latvian regional website for Visa, a globally recognized leader in digital payment solutions. The site provides comprehensive information about Visa's services, including payment cards, mobile payments, and security technologies, targeting consumers, businesses, and fintech innovators. The website reflects Visa's strong market position and commitment to secure, innovative payment technologies. Technically, the site is built on modern web technologies including Stencil.js and leverages Adobe Experience Manager as its CMS, with Cloudflare providing hosting and CDN services. The site is well-optimized for performance, mobile responsiveness, and accessibility, and integrates advanced analytics and marketing tools such as Google Analytics, ContentSquare, Eloqua, and Tealium. Security posture is strong with HTTPS enforced, appropriate security headers, and no visible vulnerabilities or exposed sensitive data. Privacy compliance is robust, featuring comprehensive privacy and cookie policies with user consent mechanisms aligned with GDPR requirements. However, explicit security policies and incident response contacts are not publicly detailed. Overall, the website demonstrates high professionalism, trustworthiness, and digital maturity, supporting Visa's global brand reputation.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 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

4 findings rated critical or high. Fix these first.

  1. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

    • High

      No SPF record found

      SPF helps prevent email spoofing

      What to do: Add SPF record: "v=spf1 include:_spf.yourmailprovider.com ~all"

  2. 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
    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

Need hands-on remediation? Email guard@offseq.com

Keep watching visa.lv

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

€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
52
Security headers
75
Email security
40
DNS health
65
Network security
100
GDPR outside view
83
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

Visa operates as a global financial services provider specializing in digital payments and transaction processing. The Latvian site serves as a regional touchpoint, offering localized content and resources for consumers and businesses. Visa's business model revolves around facilitating secure and efficient payment transactions worldwide, leveraging partnerships with financial institutions and merchants. The company maintains a strong ecosystem of partners and regional sites, as evidenced by extensive external linking. Visa's competitive advantage lies in its brand recognition, technological innovation, and comprehensive security measures. The website's content and structure support Visa's strategic goals of market leadership and customer trust, with clear calls to action and resource hubs for various audiences. The absence of direct contact emails or phone numbers suggests a preference for controlled communication channels, likely to maintain security and brand consistency.

Security posture

The website exhibits a mature security posture with enforced HTTPS, modern security headers, and no detected exposure of sensitive information. The use of Cloudflare services implies additional DDoS protection and web application firewall capabilities, although no active WAF challenge was detected during analysis. Cookie consent mechanisms comply with GDPR, and tracking technologies are transparently disclosed. However, the site lacks publicly accessible security policies or incident response contacts, which could enhance transparency and trust. No vulnerability disclosure or security.txt files were found, representing an area for improvement. Overall, the security measures align with industry best practices for a financial services website, minimizing risk exposure and supporting regulatory compliance.

Recommendations

  1. Publish a dedicated security policy page detailing security practices and frameworks (e.g., ISO 27001, NIST).
  2. Provide clear incident response contact channels such as security@ or abuse@ email addresses.
  3. Implement and publish a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  4. Enhance transparency by including data protection officer contact information if applicable.
  5. Regularly review and update cookie and privacy policies to maintain compliance with evolving regulations.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Visa
Description
Visa is a trusted global leader in digital payments, providing secure and innovative payment solutions worldwide.
Key services
Payment cards, Mobile payments, Payment security solutions, Consulting and analytics
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, YouTube iframe API, Cloudflare (implied by cookies), Tealium (tag management), ContentSquare (analytics), Eloqua (marketing automation), Google Analytics
Frameworks
Stencil.js
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism
  • No exposed sensitive data in HTML
  • Use of security headers

Analytics and tracking

Services
Google Analytics, ContentSquare, Eloqua, Catchpoint Systems
Tracking level
extensive
Privacy practices
good

Advertising

Tracking pixels
Tealium, ContentSquare, Eloqua
Marketing tools
Tealium, Eloqua
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 challenges.
  2. Comprehensive privacy and cookie policies with consent mechanisms are implemented.
  3. Strong branding and consistent corporate identity.
  4. Use of modern web technologies and analytics tools.
  5. No exposed sensitive data or security vulnerabilities detected in HTML content.
  6. No direct security policy or incident response contact information found.
  7. Extensive external linking to Visa regional and partner sites.
  8. High-quality user experience and mobile optimization.
Technical notes

Notes

The website is built using modern web technologies including Stencil.js for UI components and Adobe Experience Manager as the CMS platform. Hosting and CDN services are provided by Cloudflare, ensuring fast content delivery and security features. The site integrates multiple analytics and marketing tools such as Google Analytics, ContentSquare, Eloqua, and Tealium for comprehensive visitor tracking and optimization. Performance is optimized with lazy loading, responsive design, and preloading of critical assets. Accessibility features such as skip links and ARIA roles are implemented, supporting inclusive user experience. SEO is supported by canonical tags, hreflang attributes for multilingual support, and structured data in JSON-LD format. Overall, the technical infrastructure is robust, scalable, and aligned with best practices for enterprise-grade websites.
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. 72/100Medium28 findingsView report
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