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Is incard.co a Scam? Security Check Results - Incard Ltd

incard.co Security Report Summary

incard.co received a security score of 49 out of 100 in Guard's comprehensive security analysis, classified as "Elevated Risk". This report covers Incard Ltd's website security posture. Incard Ltd operates in the Finance industry in United Kingdom.

Incard Ltd operates a specialized financial platform tailored for ecommerce businesses, offering multi-currency business accounts, corporate Visa Platinum cards with cashback and rewards, expense management, accounting automation, and financial analytics. Positioned as a fintech innovator, Incard targets ecommerce entrepreneurs seeking streamlined financial operations and enhanced visibility into their cash flow and advertising spend. The company leverages partnerships with Currency Cloud, Visa, and TrueLayer to provide regulated payment and account information services, reinforcing its credibility in the financial sector. Technically, the website is built on a modern React and Next.js stack, hosted on Vercel, and integrates multiple analytics and marketing tools such as Google Tag Manager, Facebook Pixel, Hotjar, and Intercom. The site demonstrates excellent mobile optimization, accessibility, and SEO practices, contributing to a professional user experience. Security posture is strong with HTTPS enforcement, comprehensive security headers, and no visible vulnerabilities or exposed sensitive data. Privacy compliance is supported by detailed privacy and cookie policies, though an explicit cookie consent mechanism is not detected. WHOIS data is privacy protected, which is justified for a fintech company, though it limits direct registrant verification. Overall, Incard presents a trustworthy and professional digital presence with a solid foundation for ecommerce financial services.

The security scan identified 17 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: React, Next.js, Vercel hosting, Google Tag Manager, Facebook Pixel, LinkedIn Insight Tag, Hotjar, Intercom.

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 incard.co Safe? Security Analysis for Incard Ltd

https://incard.co

Check if incard.co is a scam or legitimate. Free security scan and reviews.

FinanceUnited Kingdomsmall
ReactNext.jsVercel hostingGoogle Tag ManagerFacebook Pixel+3 more
Analyzed 7/27/2025Completed 10:38:01 AM8mo ago
49
Security Score
HIGH RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domainincard.co
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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

AI Summary

Incard Ltd operates a specialized financial platform tailored for ecommerce businesses, offering multi-currency business accounts, corporate Visa Platinum cards with cashback and rewards, expense management, accounting automation, and financial analytics. Positioned as a fintech innovator, Incard targets ecommerce entrepreneurs seeking streamlined financial operations and enhanced visibility into their cash flow and advertising spend. The company leverages partnerships with Currency Cloud, Visa, and TrueLayer to provide regulated payment and account information services, reinforcing its credibility in the financial sector. Technically, the website is built on a modern React and Next.js stack, hosted on Vercel, and integrates multiple analytics and marketing tools such as Google Tag Manager, Facebook Pixel, Hotjar, and Intercom. The site demonstrates excellent mobile optimization, accessibility, and SEO practices, contributing to a professional user experience. Security posture is strong with HTTPS enforcement, comprehensive security headers, and no visible vulnerabilities or exposed sensitive data. Privacy compliance is supported by detailed privacy and cookie policies, though an explicit cookie consent mechanism is not detected. WHOIS data is privacy protected, which is justified for a fintech company, though it limits direct registrant verification. Overall, Incard presents a trustworthy and professional digital presence with a solid foundation for ecommerce financial services.

Detected Technologies

ReactNext.jsVercel hostingGoogle Tag ManagerFacebook PixelLinkedIn Insight TagHotjarIntercom

2 urgent findings need attention

2 high

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Guard tracks your live infrastructure daily: certificate expiry, DNS & mail authentication drift, uptime changes, subdomain inventory, and unexpected tracker or content shifts. A full timeline captures every diff so you can prove remediation and spot regressions instantly.

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

1 finding

0/100

GDPR Compliance

1 finding

0/100

NIS2 Compliance

1 finding

0/100

Email Security

5 findings

52/100

Security scan incomplete. 3 out of 9 security checks failed to complete. The website may be inaccessible or protected by security measures. Please retry the scan or verify the website is accessible.

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

Incard's market positioning focuses on ecommerce financial operations, providing a niche solution that integrates business accounts, corporate cards, and financial analytics. Its competitive advantage lies in multi-currency support, real-time cash flow insights, and seamless integration with ecommerce platforms and payment gateways. Revenue streams likely include account fees, card transaction fees, and value-added services such as analytics and automation. The target customer segment includes small to medium ecommerce businesses and digital agencies. Growth indicators include partnerships with major payment processors and a comprehensive affiliate program. The company maintains a strong partnership ecosystem with Currency Cloud, Visa, and TrueLayer, enhancing service reliability and regulatory compliance. Strategic observations suggest a focus on expanding currency offerings and mobile wallet capabilities to capture broader market share.

Extracted Contact Information

Marketing Intelligence Data

Security Posture Analysis

Comprehensive Security Assessment

Incard exhibits a mature security posture with enforced HTTPS, robust security headers, and no detected vulnerabilities in the website code or third-party libraries. The presence of a dedicated security page indicates awareness and commitment to security best practices. However, the absence of a public incident response contact or vulnerability disclosure program represents a gap in transparency and readiness. Data protection practices align with GDPR requirements, supported by comprehensive privacy policies. The use of reputable third-party services for payments and account information further mitigates risk. Overall, the security culture appears proactive but could benefit from enhanced incident response communication and explicit cookie consent mechanisms.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement an explicit cookie consent banner to comply fully with privacy regulations and enhance user trust.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Incard Ltd

Description:

The financial platform made for ecommerce. Build your business with Incard and increase visibility over your business operations to power better decision making. Pay your bills, track your cash flow in real time, and close your books faster.

Key Services:
Multi-currency business accountsCorporate Visa Platinum cards with cashback and rewardsExpense managementAccounting automationFinancial analytics and cashflow insightsIntegrations with ecommerce platforms and payment gateways
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
ReactNext.jsVercel hostingGoogle Tag ManagerFacebook PixelLinkedIn Insight TagHotjarIntercom
Frameworks:
ReactNext.js
Platforms:
Vercel
Performance:

fast

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
90/100
Best Practices:
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of security headers
  • No visible vulnerable libraries
  • Secure forms with minimal data collection

Analytics & Tracking

Services:
Google Analytics (via GTM)HotjarLinkedIn Insight
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Ad Networks:
Google AdsFacebook Ads
Tracking Pixels:
Facebook PixelLinkedIn InsightHotjar
Marketing Tools:
Intercom
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 fully accessible with rich content and no blocking.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

0/100
Score
Analysis failed - content could not be retrieved

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

0/100
Score
Analysis failed - content could not be retrieved

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

0/100
Score
Analysis failed - content could not be retrieved

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📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

52/100
Score

No SPF record found

HIGH

SPF helps prevent email spoofing

DMARC not enforcing

MEDIUM

DMARC policy is set to "none"

No DMARC reporting

LOW

DMARC aggregate reports not configured

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
DKIM Selectors Found
Selector:s1(1440-bit rsa)
DMARC Details
Policy:none

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

72/100
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 51 days

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

80/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

DMARC Policy Set to None

LOW

DMARC is configured but not enforcing any policy

Domain Registration Details

Domain Age
6 years(mature)
Expiry Risk
low(84 days)
Protection Level
strongDNSSEC OFF
Suspicious Indicators Detected
  • Privacy/proxy registration detected

DNS Records

A Records:76.76.21.21
Name Servers:
ns-1413.awsdns-48.org
ns-1709.awsdns-21.co.uk
ns-395.awsdns-49.com
ns-964.awsdns-56.net
MX Records:
10: aspmx.l.google.com
20: alt1.aspmx.l.google.com
30: alt2.aspmx.l.google.com
40: alt3.aspmx.l.google.com
50: alt4.aspmx.l.google.com
SOA:Serial: 1, TTL: 86400s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:180ms

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 incard.co compare?

incard.co scores below average. Browse similar domains to see how competitors handle security.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built using a modern React and Next.js framework, hosted on Vercel, ensuring fast performance and scalability. It employs a comprehensive set of analytics and marketing tools, including Google Tag Manager, Facebook Pixel, LinkedIn Insight, Hotjar, and Intercom, enabling detailed user behavior tracking and customer engagement. The site is well-optimized for mobile devices and SEO, with proper meta tags and structured content. No CMS is detected, indicating a custom or headless architecture. The technical infrastructure supports a seamless user experience with minimal latency. Opportunities exist to improve cookie consent management and incident response readiness to align with best practices in fintech digital operations.
Professional PDF & Marketing Data

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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

Domainincard.co
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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