What is the security status of cembrapay.ch?

cembrapay.ch has a security score of 62/100, rated as Moderate Risk. The website may have security concerns that should be addressed.

Is cembrapay.ch safe to use?

Our security scan shows cembrapay.ch is Moderate Risk. SSL security issues detected. Always practice safe browsing habits.

Does cembrapay.ch have viruses?

Our comprehensive security scan analyzes multiple security factors. Based on the overall security score of 62/100, the website is rated as Moderate Risk. However, websites can change over time, so always use updated security software.

What is cembrapay.ch's trust score?

cembrapay.ch has a security score of 62/100. This score is based on multiple factors including SSL security, security headers, DNS health, and compliance checks.

I want to know if cembrapay.ch is a legitimate website or if it's a scam.

According to our comprehensive security analysis, cembrapay.ch has a security score of 62/100, which indicates it is Moderate Risk. CembraPay AG is a Swiss financial services company specializing in flexible payment solutions such as invoice purchase, installment payments, monthly billing, and digital wallets. It is a leading provider in the Swiss market, formed from the merger of Swissbilling and Byjuno, and operates under the umbrella of the publicly listed Cembra Bank AG. The website targets both consumers and merchants in Switzerland, offering secure and convenient payment options. The business model focuses on risk-free payment facilitation for merchants and flexible payment options for consumers. The company maintains a professional online presence with clear branding and comprehensive service descriptions. Technically, the website employs modern web standards including HTML5, CSS3, and JavaScript, with integration of Google reCAPTCHA v3 for spam protection. The site is mobile-optimized and provides a good user experience with clear navigation and relevant content. However, some security best practices such as explicit security headers and published security policies are not evident from the data provided. From a security perspective, the site uses HTTPS and implements anti-spam measures but lacks visible security headers and formal incident response information. No vulnerabilities or suspicious content were detected. Privacy compliance is strong with accessible privacy and cookie policies and GDPR adherence. Contact information is transparent and comprehensive, enhancing trust. Overall, CembraPay AG presents a trustworthy and professional digital presence consistent with its market position. Recommendations include enhancing security headers, publishing a security policy and incident response contacts, and improving accessibility features to further strengthen compliance and security posture.

Is cembrapay.ch Safe? Security Analysis for CembraPay AG

https://cembrapay.ch

Check if cembrapay.ch is a scam or legitimate. Free security scan and reviews.

FinanceSwitzerlandmedium

HTML5CSS3JavaScriptGoogle reCAPTCHA v3

Analyzed 10/8/2025Completed 12:45:31 PM

Security Score

MEDIUM RISK

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AI Summary

CembraPay AG is a Swiss financial services company specializing in flexible payment solutions such as invoice purchase, installment payments, monthly billing, and digital wallets. It is a leading provider in the Swiss ma… Unlock the full Guard report to read the complete analysis.

Detected Technologies

HTML5CSS3JavaScriptGoogle reCAPTCHA v3

Security Headers

8 findings

25/100

GDPR Compliance

4 findings

53/100

NIS2 Compliance

9 findings

2/100

Email Security

4 findings

75/100

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Snapshot shown below. Unlock the full AI report for complete market insights, audience profiling, and step-by-step recommendations.

Business Intelligence

Market & Strategic Analysis

CembraPay AG holds a strong market position as a leading Swiss payment solution provider, leveraging its heritage from Swissbilling and Byjuno and backing from the publicly listed Cembra Bank AG. Its competitive advantage lies in offering flexible, risk-free payment options that appeal to both consumers and merchants. The business model generates revenue through payment facilitation and financing services. Target customers include Swiss consumers seeking flexible payment methods and merchants desiring seamless payment processing without risk. The company’s partnership ecosystem includes its parent company and subsidiaries, enhancing its service portfolio. Growth indicators include a comprehensive FAQ, multilingual support, and integration of modern web technologies. Strategic observations suggest continued focus on digital transformation and compliance to maintain market leadership.

Extracted Contact Information

Marketing Intelligence Data

Physical Addresses (1)

Bändliweg 20, 8048 Zürich, Switzerland

Security Posture Analysis

Comprehensive Security Assessment

CembraPay AG demonstrates a moderate security maturity level with HTTPS enforced and Google reCAPTCHA implemented to protect forms from spam. However, the absence of visible security headers such as Content Security Policy, HSTS, and X-Frame-Options indicates room for improvement. No explicit security or incident response policies are published, which could hinder rapid response to security incidents. Data protection practices appear aligned with GDPR, supported by comprehensive privacy and cookie policies. The site does not expose sensitive data or use vulnerable libraries based on the provided data. Overall, the security posture is adequate for the business type but would benefit from formalized policies and enhanced technical controls.

Strategic Recommendations

Priority Actions for Security Improvement

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✨Observations

AI-powered comprehensive website and business analysis.

A preview of your strategic observations is visible. Upgrade to unlock the full competitive positioning, trust signals, and branding checklist.

AI-Enhanced Website Analysis

Business Insights

Company:

CembraPay AG

Description:

CembraPay bietet einfache und flexible Zahlungslösungen wie den Kauf auf Rechnung, den Kauf auf Raten, die Monatsrechnung und das Wallet. Als führender Anbieter von Rechnungskauflösungen in der Schweiz bietet CembraPay eine breite Palette moderner Zahlungs- und Finanzierungsmöglichkeiten an. Entstanden aus der Verbindung von Swissbilling und Byjuno, gehört CembraPay zur unabhängigen Schweizer Bank Cembra, die seit 2013 an der SIX Swiss Exchange kotiert ist.

Key Services:

Kauf auf RechnungKauf auf RatenMonatsrechnungWallet

Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:

HTML5CSS3JavaScriptGoogle reCAPTCHA v3

Performance:

moderate

Mobile:

good

Accessibility:

basic

SEO:

good

Security Assessment

Security Score:

70/100

Best Practices:

Use of Google reCAPTCHA v3 for form spam protection
HTTPS usage implied by URL scheme

Analytics & Tracking

Tracking Level:minimal

Privacy Compliance:good

Advertising & Marketing

Tracking Pixels:

Google reCAPTCHA

Transparency Level:basic

Website Quality Assessment

Design Quality:good

User Experience:good

Content Relevance:good

Navigation Clarity:good

Professionalism:good

Trustworthiness:high

Key Observations

Website is fully accessible with no blocking or WAF challenges.

🛡️Security Headers

HTTP security headers analysis and recommendations.

Some header findings are shown. Unlock to see the full checklist, impacted endpoints, and remediation guidance.

Security Headers

HTTP security headers analysis

25/100

Score

Weak Strict-Transport-Security configuration

LOW

Current value: "max-age=15724800; includeSubDomains" Unlock the full report to read the complete fix.

Missing X-Frame-Options header

HIGH

Prevents clickjacking attacks Unlock the full report to read the complete fix.

Missing X-Content-Type-Options header

MEDIUM

Prevents MIME type sniffing Unlock the full report to read the complete fix.

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load Unlock the full report to read the complete fix.

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended) Unlock the full report to read the complete fix.

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests Unlock the full report to read the complete fix.

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs Unlock the full report to read the complete fix.

Sensitive data may be cached

LOW

Cache-Control header should include "no-store" for sensitive pages Unlock the full report to read the complete fix.

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

You can see headline NIS2 checks. Upgrade to access the full control mapping, severity breakdown, and remediation plan.

NIS2 Compliance

Network & Information Security Directive

2/100

Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures Unlock the full report to read the complete fix.

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure Unlock the full report to read the complete fix.

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management Unlock the full report to read the complete fix.

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans Unlock the full report to read the complete fix.

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity Unlock the full report to read the complete fix.

No security contact information

HIGH

NIS2 requires clear incident reporting channels Unlock the full report to read the complete fix.

No vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure Unlock the full report to read the complete fix.

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts Unlock the full report to read the complete fix.

Critical sector without clear security compliance

HIGH

Detected sectors: transport, banking, digital Unlock the full report to read the complete fix.

📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Quick view of email authentication checks is provided. Unlock to uncover full DNS evidence, record diffs, and fix scripts.

Email Security

SPF, DKIM, and DMARC validation

75/100

Score

DMARC not enforcing

MEDIUM

DMARC policy is set to "none" Unlock the full report to read the complete fix.

No BIMI Record

LOW

BIMI displays brand logos in email clients Unlock the full report to read the complete fix.

No MTA-STS Policy

MEDIUM

MTA-STS enforces TLS for email delivery Unlock the full report to read the complete fix.

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues Unlock the full report to read the complete fix.

SPF

Sender Policy Framework

DKIM

DomainKeys Identified Mail

DMARC

Domain-based Message Authentication

MX Records

Mail Exchange Records

BIMI

Brand Indicators

MTA-STS

Mail Transfer Agent Security

TLS-RPT

TLS Reporting

DNSSEC

DNS Security

SPF Details

Record:

v=spf1 include:spf.protection.outlook.com include:spf.swisscom.com a:cembrapay.mail.leuchter-cloud.ch ip4:194.147.72.30 ip4:194.147.72.116 ~all

DNS Lookups:3/10

Policy:~all

DKIM Selectors Found

Selector:k2(1416-bit rsa)

DMARC Details

Policy:none

Subdomain Policy:none

Aggregate Reports:mailmonitor@cembrapay.ch

Forensic Reports:mailmonitor@cembrapay.ch

🏆SSL/TLS Security

Certificate validity and encryption analysis.

This is a teaser of the TLS audit. Unlock to view certificate chains, cipher support tables, and remediation steps.

SSL/TLS Security

Certificate validity and encryption analysis

77/100

Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1 Unlock the full report to read the complete fix.

OCSP Stapling Not Enabled

LOW

OCSP stapling improves performance and privacy Unlock the full report to read the complete fix.

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs Unlock the full report to read the complete fix.

Partial SSL/TLS Assessment

LOW

Completed 3 of 4 security checks due to time constraints Unlock the full report to read the complete fix.

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

Unlock the full DNS posture audit to reveal misconfigurations, zone records, and actionable fixes.

DNS Health

DNS configuration and security assessment

80/100

Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain Unlock the full report to read the complete fix.

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found Unlock the full report to read the complete fix.

DMARC Policy Set to None

LOW

DMARC is configured but not enforcing any policy Unlock the full report to read the complete fix.

DNS Records

A Records:74.242.193.194

Name Servers:

ns1-09.azure-dns.comDNS only

ns2-09.azure-dns.netDNS only

ns3-09.azure-dns.orgDNS only

ns4-09.azure-dns.infoDNS only

MX Records:

10: cembra-ch.mail.protection.outlook.com

SOA:Serial: 1, TTL: 300s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:49ms

SPF Analysis

SPF Record:

v=spf1 include:spf.protection.outlook.com include:spf.swisscom.com a:cembrapay.mail.leuchter-cloud.ch ip4:194.147.72.30 ip4:194.147.72.116 ~all

⚡Network Security

Port scanning and network exposure analysis.

See a glimpse of exposed services. Unlock to access full port inventories, CVE lookups, and mitigation priorities.

Network Security

Port scanning and network exposure analysis

100/100

Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports Unlock the full report to read the complete fix.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Unlock to view the complete technical breakdown, stack fingerprinting, and hardening checklist.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

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Is cembrapay.ch a Scam? Security Check Results - CembraPay AG Reviews

Is cembrapay.ch Safe? Security Analysis for CembraPay AG

Unlock the complete security report for cembrapay.ch

How it works

Order summary

AI Summary

Detected Technologies

🧠AI Business Intelligence

Business Intelligence

Extracted Contact Information

Physical Addresses (1)

Security Posture Analysis

Strategic Recommendations

✨Observations

AI-Enhanced Website Analysis

Business Insights

Technical Stack

Security Assessment

Analytics & Tracking

Advertising & Marketing

Website Quality Assessment

Key Observations

🛡️Security Headers

Security Headers

Weak Strict-Transport-Security configuration

Missing X-Frame-Options header

Missing X-Content-Type-Options header

Missing Content-Security-Policy header

Missing X-XSS-Protection header

Missing Referrer-Policy header

Missing Permissions-Policy header

Sensitive data may be cached

👤GDPR Compliance

GDPR Compliance

No Cookie Policy found

No Cookie Consent Banner found

No Data Protection Officer mentioned

Privacy policy may not be GDPR compliant

GDPR Compliance Analysis

🛡️NIS2 Compliance

NIS2 Compliance

No information security framework found

No vulnerability disclosure policy

No security policy documentation found

No incident response procedures found

No business continuity planning found

No security contact information

No vulnerability reporting mechanism

No NIS2 reference found

Critical sector without clear security compliance

📧Email Security

Email Security

DMARC not enforcing

No BIMI Record

No MTA-STS Policy

No TLS-RPT Record

SPF Details

DKIM Selectors Found

DMARC Details

🏆SSL/TLS Security

SSL/TLS Security

Weak Protocols Supported

OCSP Stapling Not Enabled

Certificate Transparency Not Implemented

Partial SSL/TLS Assessment

Protocol Support

OCSP Status

📊DNS Health

DNS Health

DNSSEC Not Enabled

CAA Records Not Configured

DMARC Policy Set to None

DNS Records

DNSSEC Status

DNS Performance

SPF Analysis

⚡Network Security

Network Security

Good Network Security Posture

🔧Technical Analysis