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Is gocardless.com a Scam? Security Check Results - GoCardless

gocardless.com Security Report Summary

gocardless.com received a security score of 74 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers GoCardless's website security posture. GoCardless operates in the Finance industry in United Kingdom.

GoCardless is a well-established UK-based company specializing in online payment processing solutions, particularly direct debit payments for businesses. The company holds a strong market position with a large customer base and offers key services such as subscription billing and payment reconciliation. The website reflects a mature digital infrastructure using modern technologies like React and Gatsby, hosted via Cloudflare for performance and security. Security posture is robust with HTTPS, security headers, and certifications including ISO 27001 and PCI DSS. Privacy and compliance are well addressed with comprehensive policies and GDPR adherence. Overall, the website and domain data indicate a trustworthy and professional business with a strong focus on security and user privacy.

The security scan identified 25 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: React, Gatsby, Cloudflare CDN, Google Tag Manager, Google Analytics.

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and AI-powered business intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

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Is gocardless.com Safe? Security Analysis for GoCardless

https://gocardless.com

Check if gocardless.com is a scam or legitimate. Free security scan and reviews.

FinanceUnited Kingdomlarge
ReactGatsbyCloudflare CDNGoogle Tag ManagerGoogle Analytics
Analyzed 10/12/2025Completed 10:26:00 PM6mo ago
74
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domaingocardless.com
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SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

AI Summary

GoCardless is a well-established UK-based company specializing in online payment processing solutions, particularly direct debit payments for businesses. The company holds a strong market position with a large customer base and offers key services such as subscription billing and payment reconciliation. The website reflects a mature digital infrastructure using modern technologies like React and Gatsby, hosted via Cloudflare for performance and security. Security posture is robust with HTTPS, security headers, and certifications including ISO 27001 and PCI DSS. Privacy and compliance are well addressed with comprehensive policies and GDPR adherence. Overall, the website and domain data indicate a trustworthy and professional business with a strong focus on security and user privacy.

Detected Technologies

ReactGatsbyCloudflare CDNGoogle Tag ManagerGoogle Analytics

7 urgent findings need attention

7 high

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Security drift alerts

Risk score drops, new high-severity issues, and header hardening gaps

Compliance watch

GDPR / NIS2 posture changes with governance evidence snapshots

Infrastructure surface

Unexpected open services, SSL expiry, DNS & email authentication changes

Content & tracker intelligence

Marketing tech shifts, analytics drift, and AI recommendation updates

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Security Headers

4 findings

75/100

GDPR Compliance

1 finding

85/100

NIS2 Compliance

8 findings

17/100

Email Security

4 findings

80/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

GoCardless operates in the finance and technology sectors, targeting businesses that require efficient payment processing solutions. Their business model revolves around SaaS-based payment facilitation, generating revenue through transaction fees. The company demonstrates competitive advantages through compliance certifications, a secure platform, and a clear privacy framework. Partnerships and service domains like manage.gocardless.com support their ecosystem. The company shows indicators of growth and market leadership in direct debit payments, with a consistent brand and professional online presence.

Security Posture Analysis

Comprehensive Security Assessment

The security maturity of GoCardless is high, with enforced HTTPS, comprehensive security headers, and adherence to industry standards such as ISO 27001 and PCI DSS. No vulnerabilities or exposed sensitive data were detected in the website content. Incident response and vulnerability disclosure policies are publicly available, indicating readiness for security events. GDPR compliance is evident, and data protection officer contact is provided. Recommendations include enabling DNSSEC and continuous monitoring of third-party scripts to maintain security integrity.

Strategic Recommendations

Priority Actions for Security Improvement

1

Enable DNSSEC to enhance DNS security and prevent spoofing.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

GoCardless

Description:

GoCardless provides an online payment processing solution specializing in direct debit payments for businesses.

Key Services:
Direct debit payment processingSubscription billingPayment reconciliation
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
ReactGatsbyCloudflare CDNGoogle Tag ManagerGoogle Analytics
Frameworks:
ReactGatsby
Platforms:
Cloudflare
Performance:

fast

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
90/100
Best Practices:
  • HTTPS enforced
  • Security headers implemented
  • No exposed sensitive data in HTML
  • Secure forms with proper input handling

Analytics & Tracking

Services:
Google AnalyticsGoogle Tag Manager
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Transparency Level:good

Website Quality Assessment

Design Quality:excellent
User Experience:excellent
Content Relevance:excellent
Navigation Clarity:excellent
Professionalism:excellent
Trustworthiness:high

Key Observations

1

Website is professionally designed and well-structured.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

75/100
Score

Weak X-XSS-Protection configuration

LOW

Current value: "0"

Weak Referrer-Policy configuration

LOW

Current value: "no-referrer-when-downgrade"

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

Sensitive data may be cached

LOW

Cache-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

85/100
Score

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

GDPR Compliance Analysis

Privacy Policy85% confidence
Cookie Policy85% confidence
Contact Information Found90% confidence
phone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

17/100
Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

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📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

80/100
Score

Complex SPF record

LOW

Too many include statements can cause lookup limits

No BIMI Record

LOW

BIMI displays brand logos in email clients

No MTA-STS Policy

MEDIUM

MTA-STS enforces TLS for email delivery

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues

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.google.com include:mail.zendesk.com include:sendgrid.net include:u1827704.wl.sendgrid.net include:_spf.salesforce.com ip4:54.78.65.117 ip4:3.248.156.189 ip4:54.73.134.218 ip4:34.251.233.219 ip4:108.128.75.65 ip4:54.76.47.126 -all
DNS Lookups:5/10
Policy:-all
DKIM Selectors Found
Selector:google(1296-bit rsa)
Selector:s1(1440-bit rsa)
DMARC Details
Policy:quarantine
Aggregate Reports:dmarc-reports@gocardless.com
Forensic Reports:dmarc-reports@gocardless.com

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

52/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

OCSP Stapling Not Enabled

LOW

OCSP stapling improves performance and privacy

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

SSL Certificate Expires Within 90 Days

MEDIUM

SSL certificate expires in 81 days

Weak SSL Key Length

HIGH

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

Partial SSL/TLS Assessment

LOW

Completed 3 of 4 security checks due to time constraints

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

90/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

Domain Registration Details

Domain Age
26 years(mature)
Expiry Risk
none(1078 days)
Protection Level
strongDNSSEC OFF

DNS Records

A Records:104.16.247.239, 104.16.246.239
Name Servers:
april.ns.cloudflare.com
logan.ns.cloudflare.com
MX Records:
10: aspmx2.googlemail.com
5: alt2.aspmx.l.google.com
10: alt4.aspmx.l.google.com
10: aspmx3.googlemail.com
1: aspmx.l.google.com
5: alt1.aspmx.l.google.com
10: alt3.aspmx.l.google.com
SOA:Serial: 2385697970, TTL: 1800s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:54ms

SPF Analysis

SPF Record:
v=spf1 include:_spf.google.com include:mail.zendesk.com include:sendgrid.net include:u1827704.wl.sendgrid.net include:_spf.salesforce.com ip4:54.78.65.117 ip4:3.248.156.189 ip4:54.73.134.218 ip4:34.251.233.219 ip4:108.128.75.65 ip4:54.76.47.126 -all

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

How does gocardless.com compare?

See how gocardless.com stacks up against similar websites in the same industry.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built on a modern tech stack including React and Gatsby, ensuring fast performance and good SEO. Hosting via Cloudflare provides CDN benefits and security features. The site is mobile-optimized and accessible, with proper meta tags and structured data for enhanced search engine visibility. No technical debt or outdated technologies were observed. The use of Google Analytics and Tag Manager is balanced with privacy compliance. Overall, the technical infrastructure supports a high-quality user experience and operational reliability.
Professional PDF & Marketing Data

Download the gocardless.com report as PDF

Get the complete analysis in a shareable PDF format, delivered instantly to your email with lifetime access.

PDF Report & Export

PDF download, email delivery, unlock code

39.90 €one-time • Incl. 21% VAT

Marketing Intelligence

Contact emails, phone numbers & warm leads

49.90 €one-time • Incl. 21% VAT

Plan Comparison

FeaturePDF ReportMarketing+
Full security analysis
Professional PDF export
Email delivery
Lifetime access + unlock code
Contact emails & phones
Marketing outreach data

Already purchased?

Order summary

Domaingocardless.com
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

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