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Is kir.pl a Scam? Security Check Results - Krajowa Izba Rozliczeniowa S.A.

kir.pl Security Report Summary

kir.pl received a security score of 63 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers Krajowa Izba Rozliczeniowa S.A.'s website security posture. Krajowa Izba Rozliczeniowa S.A. operates in the Finance industry in Poland.

Krajowa Izba Rozliczeniowa S.A. (KIR) is a key technological hub and infrastructure provider for the Polish payment system, offering a broad range of digital solutions for banks, companies, public sector entities, and individual clients. Their services include interbank settlements (Elixir), instant payments (Express Elixir), electronic signatures (Szafir and mSzafir), electronic identification (mojeID), and open banking interfaces (HUB PSD2). The company holds a strong market position as a critical infrastructure entity in Poland's financial ecosystem. Technically, the website employs modern web technologies including Google Tag Manager and Google reCAPTCHA, with a CMS platform (edito) supporting content management. The site is mobile-optimized, accessible, and SEO-friendly, reflecting a mature digital presence. Security measures such as HTTPS, CSRF tokens, and bot protection are implemented, though explicit security headers could be further verified. The security posture is solid with no visible vulnerabilities or exposed sensitive data. Privacy and cookie policies are comprehensive and GDPR compliant, supporting user data protection. However, no explicit incident response or vulnerability disclosure policies were found, which could enhance trust and security readiness. Overall, the website and business present a low-risk profile with strong credibility and professional digital infrastructure. Strategic recommendations include enhancing security header transparency, publishing vulnerability disclosure information, and improving contact information visibility to further strengthen trust and compliance.

The security scan identified 30 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: Google Tag Manager, Google reCAPTCHA, CSS, JavaScript.

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 kir.pl Safe? Security Analysis for Krajowa Izba Rozliczeniowa S.A.

https://kir.pl

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FinancePolandlarge
Google Tag ManagerGoogle reCAPTCHACSSJavaScript
Analyzed 7/28/2025Completed 8:51:07 PM8mo ago
63
Security Score
MEDIUM RISK

Below Finance avg (78)

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Domains scanned

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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

Krajowa Izba Rozliczeniowa S.A. (KIR) is a key technological hub and infrastructure provider for the Polish payment system, offering a broad range of digital solutions for banks, companies, public sector entities, and individual clients. Their services include interbank settlements (Elixir), instant payments (Express Elixir), electronic signatures (Szafir and mSzafir), electronic identification (mojeID), and open banking interfaces (HUB PSD2). The company holds a strong market position as a critical infrastructure entity in Poland's financial ecosystem. Technically, the website employs modern web technologies including Google Tag Manager and Google reCAPTCHA, with a CMS platform (edito) supporting content management. The site is mobile-optimized, accessible, and SEO-friendly, reflecting a mature digital presence. Security measures such as HTTPS, CSRF tokens, and bot protection are implemented, though explicit security headers could be further verified. The security posture is solid with no visible vulnerabilities or exposed sensitive data. Privacy and cookie policies are comprehensive and GDPR compliant, supporting user data protection. However, no explicit incident response or vulnerability disclosure policies were found, which could enhance trust and security readiness. Overall, the website and business present a low-risk profile with strong credibility and professional digital infrastructure. Strategic recommendations include enhancing security header transparency, publishing vulnerability disclosure information, and improving contact information visibility to further strengthen trust and compliance.

Detected Technologies

Google Tag ManagerGoogle reCAPTCHACSSJavaScript

10 urgent findings need attention

1 critical · 9 high

  • + 2 more findings in the full report below
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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

65/100

GDPR Compliance

4 findings

25/100

NIS2 Compliance

8 findings

17/100

Email Security

5 findings

60/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

KIR operates as an essential entity in Poland's financial infrastructure, providing critical payment and digital identity services. Their business model focuses on technology-enabled service delivery to banks, corporations, public institutions, and individuals. The company leverages a broad partnership ecosystem with dedicated service domains for electronic signatures, instant payments, and identity verification. Market positioning is strong due to their role as a central clearing house and payment system operator. Growth indicators include continuous R&D investments in blockchain and tokenization. The company maintains a professional online presence with consistent branding and multiple service platforms, supporting a large enterprise scale.

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a mature security posture with HTTPS enforcement, CSRF protection, and bot mitigation via Google reCAPTCHA. No critical vulnerabilities or sensitive data exposures were detected in the HTML content. Privacy policies are comprehensive and GDPR compliant. However, the absence of explicit security policies, incident response contacts, and vulnerability disclosure mechanisms represents a compliance gap. Publishing a security.txt file and security framework certifications (e.g., ISO 27001) would improve transparency and readiness. Overall, the security maturity is good but could benefit from formalized incident response and disclosure practices.

Strategic Recommendations

Priority Actions for Security Improvement

1

Publish explicit security headers such as HSTS, X-Content-Type-Options, and X-Frame-Options to enhance browser security.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Krajowa Izba Rozliczeniowa S.A.

Description:

Krajowa Izba Rozliczeniowa S.A. provides services in settlements and payments including Elixir sessions, Express Elixir instant payments, and electronic signatures (Szafir).

Key Services:
Interbank settlements (Elixir, Euro Elixir)Instant payments (Express Elixir)Electronic signatures (Szafir, mSzafir)Electronic identification (mojeID)Payment services (Paybynet, KIRPay, Qlips)Information exchange centers (Ognivo, Centralna informacja)Open banking interfaces (HUB PSD2, R_HUB)R&D in blockchain and tokenization
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
Google Tag ManagerGoogle reCAPTCHACSSJavaScript
Performance:

moderate

Mobile:

good

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • Use of Google reCAPTCHA for bot protection
  • CSRF token present in meta tags
  • No exposed sensitive data in HTML

Analytics & Tracking

Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Transparency Level:basic

Website Quality Assessment

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

Key Observations

1

Website is fully accessible with no blocking or WAF challenge

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

65/100
Score

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

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

25/100
Score

No Privacy Policy found

HIGH

GDPR requires a clear and accessible privacy policy

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

EU business without adequate privacy measures

CRITICAL

EU businesses are subject to strict GDPR requirements

Third-party services without privacy policy

HIGH

Detected services: Google Analytics, Twitter, LinkedIn, YouTube

GDPR Compliance Analysis

Privacy Policy0% 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

60/100
Score

DMARC not enforcing

MEDIUM

DMARC policy is set to "none"

No DKIM record found

MEDIUM

DKIM adds cryptographic signatures to emails

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 mx a ip4:193.27.6.103/32 ip4:193.27.6.102/32 a:mx1.kir.pl a:mx2.kir.pl -all
DNS Lookups:4/10
Policy:-all
DMARC Details
Policy:none
Aggregate Reports:spam.admin@kir.pl
Forensic Reports:spam.admin@kir.pl

🏆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 45 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
23 years(mature)
Expiry Risk
low(expired)

DNS Records

A Records:193.27.6.140
Name Servers:
ns1-03.azure-dns.comDNS only
ns2-03.azure-dns.netDNS only
ns3-03.azure-dns.orgDNS only
ns4-03.azure-dns.infoDNS only
MX Records:
10: mx1.kir.pl
20: mx2.kir.pl
SOA:Serial: 1, TTL: 300s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:95ms

SPF Analysis

SPF Record:
v=spf1 mx a ip4:193.27.6.103/32 ip4:193.27.6.102/32 a:mx1.kir.pl a:mx2.kir.pl -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 kir.pl compare?

See how kir.pl 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 CMS platform (edito) with modern front-end technologies including CSS and JavaScript. It integrates Google Tag Manager and Google reCAPTCHA for analytics and security. The site is mobile responsive and accessible, with good SEO practices including meta tags and Open Graph data. Performance is moderate, with room for optimization. No hosting provider details were identified. The technical infrastructure supports a professional and scalable digital presence suitable for a large enterprise in the financial sector.
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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

Domainkir.pl
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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