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Security report for zipmoney.com.au

Zip Co Limited · Finance · Australia

Low risk. 4 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

Zip Co Limited is a well-established digital financial services company founded in 2010, specializing in buy now pay later credit products and payment solutions primarily serving the Australian and New Zealand markets. The company offers a range of products including Zip Pay, Zip Plus, Zip Money, and personal loans, targeting consumers and businesses seeking flexible and transparent credit options. Their market position is strong, supported by extensive retail partnerships and a comprehensive digital platform. Technically, the website demonstrates a mature digital infrastructure leveraging modern web technologies such as React, GraphQL APIs, and advanced performance and analytics tools including Dynatrace, Google Analytics, and multiple tracking pixels. The use of Cloudflare for DNS and CDN services enhances performance and security. The site is well-optimized for mobile and accessibility, with good SEO practices. From a security perspective, the website enforces HTTPS, employs reCAPTCHA Enterprise, and isolates third-party scripts using Partytown, reflecting a strong security posture. While DNSSEC is not enabled, other security best practices and policies are in place, including a vulnerability disclosure program. No critical vulnerabilities or exposed sensitive data were detected. Overall, Zip Co Limited presents a trustworthy and professional online presence with comprehensive compliance to privacy and cookie regulations. The absence of direct contact emails or phone numbers on the public site is typical for financial services, relying on secure customer portals. Strategic recommendations include enabling DNSSEC, publishing a security.txt file, and enhancing visible incident response contacts to further strengthen security and trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
58/ 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

4 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 X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

  2. GDPR outside view

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

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • 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 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 zipmoney.com.au

This scan found 16 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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  • 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
75
Security headers
80
Email security
85
DNS health
70
Network security
100
GDPR outside view
58
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

Zip Co operates in the competitive buy now pay later financial sector, leveraging a diversified product portfolio to capture various consumer credit needs from small everyday purchases to larger financing solutions. Their business model focuses on digital-first customer acquisition and servicing, supported by a robust partner ecosystem including retailers and financial service providers like Prospa. The company’s revenue streams include account fees, establishment fees, interest on credit products, and merchant partnerships. Growth indicators include product innovation such as single-use cards and cashback offers, and a strong social media presence. The company maintains regulatory compliance and transparency through detailed terms, privacy policies, and adherence to Australian Credit Licence requirements.

Security posture

The security maturity of Zip Co’s website is high, with enforced HTTPS, use of advanced bot mitigation (reCAPTCHA Enterprise), and script isolation techniques (Partytown) to reduce third-party risks. The presence of a vulnerability disclosure program indicates proactive security management. No critical security headers were explicitly visible in the HTML but are likely implemented via Cloudflare. DNSSEC absence is a minor gap. No signs of phishing, malware, or data leakage were found. Compliance with privacy regulations is evident, though explicit incident response contacts are not publicly listed. Overall, the security posture supports business continuity and customer trust effectively.

Recommendations

  1. Enable DNSSEC on the domain to enhance DNS security and prevent spoofing.
  2. Publish a security.txt file at the root domain to facilitate vulnerability reporting.
  3. Provide explicit incident response contact information on the website for transparency.
  4. Regularly audit and update third-party scripts to mitigate supply chain risks.
  5. Enhance visible security headers and conduct periodic penetration testing.

Contact details published on the site

Addresses
Legal name
ZIP Co Limited
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Zip Co Limited
Description
Zip is a leading digital financial services company providing fair and seamless solutions that simplify how people pay.
Key services
Zip Pay, Zip Plus, Zip Money, Zip Personal Loan, Single-use card, Bill payments, Cashback offers
Content quality
excellent
Branding
consistent

Technology

Stack
GraphQL API, Cloudflare DNS and CDN, Dynatrace (performance monitoring), Google Analytics, Facebook Pixel, TikTok Pixel, Amazon Ads Pixel, Partytown (for third-party script offloading), reCAPTCHA Enterprise
Frameworks
React
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Use of reCAPTCHA Enterprise
  • Use of Partytown to isolate third-party scripts
  • No exposed sensitive data in HTML
  • Use of security and privacy policies
  • Vulnerability Disclosure Program

Analytics and tracking

Services
Google Analytics, Dynatrace, Facebook Pixel, TikTok Pixel
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Amazon Ads
Tracking pixels
Facebook Pixel, TikTok Pixel, Dynatrace
Marketing tools
Dynatrace, Partytown
Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is professionally designed and well-structured.
  2. Comprehensive product and service information provided.
  3. Strong presence of privacy and cookie policies with consent mechanisms.
  4. Use of modern web technologies and performance monitoring tools.
  5. No signs of phishing, malware, or suspicious content.
  6. Social media presence on major platforms enhances trust.
  7. No direct contact emails or phone numbers found on the page.
  8. Security best practices are observed but DNSSEC is not enabled.
  9. Vulnerability Disclosure Program is available, indicating security awareness.
Technical notes

Notes

The website is built on a modern technology stack with React and GraphQL, supported by Cloudflare CDN and DNS services for performance and security. It integrates multiple analytics and marketing tools including Google Analytics, Facebook Pixel, TikTok Pixel, and Dynatrace for monitoring. The use of Partytown to offload third-party scripts is a modern approach to improve performance and security. The site is mobile-optimized and accessible, with good SEO metadata and structured data (JSON-LD) for enhanced search engine understanding. Hosting and infrastructure appear robust with no performance bottlenecks detected. Opportunities exist to enable DNSSEC and improve security header visibility.
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

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