Is billmatrix.com Safe? Security Analysis for Fiserv
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AI Summary
Fiserv is a global leader in financial services technology, providing innovative solutions such as BillMatrix for secure and convenient bill payments via computer, tablet, or mobile phone. The company serves a broad audience including consumers and businesses, leveraging a strong market position with over 13,000 clients worldwide. The website reflects a mature digital presence with professional design, clear navigation, and comprehensive content focused on financial technology services. Technically, the site is built on Adobe Experience Manager, integrating modern analytics and marketing tools like Google Analytics, Adobe Launch, and Evidon for cookie consent management. The site is mobile optimized and uses HTTPS, ensuring secure communications. While some security headers are not explicitly visible, the overall security posture is strong with no exposed sensitive data or vulnerabilities detected. Security-wise, the site implements privacy and cookie policies with consent mechanisms, indicating good compliance with GDPR and related regulations. However, explicit security policies and incident response contacts are not found, representing an area for improvement. The WHOIS data is unavailable due to privacy protection, which is justified given the company's size and industry. Overall, the website is trustworthy, professional, and secure, supporting Fiserv's reputation as a leading financial technology provider. Strategic recommendations include enhancing security headers, publishing security policies, and improving accessibility compliance to further strengthen the site's security and user experience.
Detected Technologies
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
Fiserv operates as a major financial technology provider with a focus on payment processing and banking solutions. Its BillMatrix product targets consumers and businesses needing secure, flexible bill payment options. The company benefits from a large client base and global presence, leveraging partnerships and advanced technology platforms. Revenue streams likely include software licensing, transaction fees, and service contracts. The website's integration of advanced marketing and analytics tools suggests a data-driven approach to customer engagement and growth. Fiserv's strong branding and consistent messaging reinforce its market leadership and competitive advantage in the fintech sector.
Extracted Contact Information
Marketing Intelligence Data
Email Addresses (2)
Phone Numbers (1)
Security Posture Analysis
Comprehensive Security Assessment
The website demonstrates a mature security posture with enforced HTTPS, cookie consent mechanisms, and no visible exposure of sensitive data. The absence of explicit security headers and published security policies indicates room for improvement in defense-in-depth and transparency. No vulnerabilities or malware indicators were found. The lack of incident response contact information may hinder rapid communication in case of security events. Overall, the site aligns well with industry best practices but would benefit from enhanced security documentation and header implementation to improve resilience and trust.
Strategic Recommendations
Priority Actions for Security Improvement
Implement and enforce security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Fiserv
BillMatrix from Fiserv offers a secure, convenient way to pay bills online or via mobile devices. Fiserv is a global financial services technology company with over 13,000 clients and 22,000 associates worldwide, providing innovative solutions in mobile and online banking, payments, risk management, data analytics, and core account processing.
good
consistent
Technical Stack
moderate
good
basic
good
Security Assessment
- HTTPS enforced
- Cookie consent mechanism implemented
- No exposed sensitive data in HTML
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is fully accessible with no blocking or WAF challenge
🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Missing X-XSS-Protection header
MEDIUMLegacy XSS protection (deprecated but still recommended)
Missing Referrer-Policy header
LOWControls referrer information sent with requests
Missing Permissions-Policy header
MEDIUMControls browser features and APIs
Sensitive data may be cached
LOWCache-Control header should include "no-store" for sensitive pages
👤GDPR Compliance
Privacy and data protection assessment under GDPR regulations.
GDPR Compliance
Privacy and data protection assessment
No Cookie Consent Banner found
HIGHGDPR requires explicit consent for non-essential cookies
No Data Protection Officer mentioned
LOWLarge organizations may need to designate a DPO under GDPR
Privacy policy may not be GDPR compliant
MEDIUMPrivacy policy lacks explicit GDPR compliance elements
GDPR Compliance Analysis
🛡️NIS2 Compliance
Network & Information Security Directive compliance assessment.
NIS2 Compliance
Network & Information Security Directive
No information security framework found
HIGHNIS2 requires documented cybersecurity and information security measures
No vulnerability disclosure policy
MEDIUMNIS2 encourages coordinated vulnerability disclosure
No security policy documentation found
HIGHNIS2 requires documented cybersecurity governance and risk management
No incident response procedures found
HIGHNIS2 requires documented incident response and business continuity plans
No business continuity planning found
MEDIUMNIS2 emphasizes operational resilience and business continuity
No security contact information
HIGHNIS2 requires clear incident reporting channels
No vulnerability reporting mechanism
MEDIUMClear vulnerability reporting supports coordinated disclosure
No NIS2 reference found
LOWConsider explicitly mentioning NIS2 compliance efforts
Critical sector without clear security compliance
HIGHDetected sectors: transport, banking, digital
📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
No MTA-STS Policy
MEDIUMMTA-STS enforces TLS for email delivery
No TLS-RPT Record
LOWTLS-RPT provides reporting for email TLS issues
SPF Details
DKIM Selectors Found
DMARC Details
🏆SSL/TLS Security
Certificate validity and encryption analysis.
SSL/TLS Security
Certificate validity and encryption analysis
Weak Protocols Supported
HIGHServer supports weak protocols: TLSv1.1
Certificate Transparency Not Implemented
LOWCertificate is not logged in Certificate Transparency logs
Partial SSL/TLS Assessment
LOWCompleted 3 of 4 security checks due to time constraints
Protocol Support
OCSP Status
📊DNS Health
DNS configuration and security assessment.
DNS Health
DNS configuration and security assessment
DNSSEC Not Enabled
MEDIUMDNSSEC is not configured for this domain
CAA Records Not Configured
LOWCertificate Authority Authorization (CAA) records not found
Domain Registration Details
DNS Records
DNSSEC Status
DNS Performance
SPF Analysis
⚡Network Security
Port scanning and network exposure analysis.
Network Security
Port scanning and network exposure analysis
Good Network Security Posture
LOWNo unnecessary services detected on common risky ports
🔧Technical Analysis
Detailed technical findings and analysis from AI assessment.
Technical Analysis
Comprehensive security assessment findings