Is merchanto.org Safe? Security Analysis for Merchanto
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AI Summary
Merchanto is a specialized technology company focused on providing an advanced platform for chargeback deflection and fraud prevention, primarily targeting ecommerce merchants using VISA and MasterCard payment cards. The company leverages AI and machine learning to enable real-time collaboration between merchants and issuers, aiming to eliminate chargebacks and improve acceptance rates. Founded in 2021 and based in Latvia, Merchanto positions itself as a leading solution in the digital payments fraud prevention space with direct partnerships with major card networks. The website reflects a professional and consistent brand image with clear business messaging and contact information. Technically, the site is built on modern frameworks such as Next.js and React, hosted on AWS infrastructure, and integrates analytics and user behavior tracking tools like Google Tag Manager and Hotjar. Security posture is adequate with HTTPS enabled and domain transfer protection, but lacks DNSSEC and security headers, which are recommended for improvement. Privacy compliance is partial, with a privacy policy present but no cookie consent mechanism. Overall, the website is well-designed, user-friendly, and trustworthy, though there is room for enhancement in security and privacy practices.
Detected Technologies
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
Merchanto operates in the finance and technology sectors, offering a SaaS platform that integrates directly with VISA and MasterCard issuers to prevent chargebacks and fraud. Its business model is B2B, targeting online merchants and ecommerce businesses globally. The company emphasizes rapid onboarding, real-time data sharing, and AI-driven analytics to differentiate itself in a competitive market. Partnerships with major card networks and a dedicated support team enhance its market position. The company is relatively new, founded in 2021, and maintains privacy protection on its domain registration, which is typical for startups. The website content and structure support a professional image aimed at building trust with potential clients. The absence of extensive certifications or security policies suggests a focus on product development and market penetration at this stage.
Extracted Contact Information
Marketing Intelligence Data
Email Addresses (1)
Phone Numbers (1)
Physical Addresses (1)
Security Posture Analysis
Comprehensive Security Assessment
The website demonstrates a moderate security maturity level. HTTPS is properly implemented, and the domain status clientTransferProhibited adds a layer of domain security. However, the absence of DNSSEC leaves the domain vulnerable to DNS spoofing attacks. The lack of security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options reduces protection against common web attacks like clickjacking and MIME sniffing. No explicit incident response or security policy pages are present, which could impact customer confidence. The site uses modern JavaScript frameworks and includes tracking scripts from Google Tag Manager and Hotjar, which require careful privacy management. Overall, while no critical vulnerabilities are evident, improvements in DNS security, HTTP headers, and privacy compliance are recommended to enhance the security posture.
Strategic Recommendations
Priority Actions for Security Improvement
Enable DNSSEC on the domain to improve DNS integrity and prevent spoofing.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Merchanto
Merchanto provides a technology-based platform for chargeback deflection and fraud prevention by enabling merchant-issuer collaboration, focusing on VISA and MasterCard bank cards. It offers an easy-to-use, end-to-end solution with direct API connections, real-time operations, and global reach to prevent chargebacks and improve acceptance rates.
good
consistent
Technical Stack
moderate
good
basic
basic
Security Assessment
- HTTPS enabled
- Client transfer prohibited domain status
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is fully accessible with no blocking or WAF challenges.
🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Missing X-Frame-Options header
HIGHPrevents clickjacking attacks
Missing Content-Security-Policy header
HIGHControls resources the browser is allowed to load
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 Policy found
HIGHGDPR requires clear information about cookie usage
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: energy, transport, banking, digital
📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
No SPF record found
HIGHSPF helps prevent email spoofing
DMARC not enforcing
MEDIUMDMARC policy is set to "none"
No DMARC reporting
LOWDMARC aggregate reports not configured
No BIMI Record
LOWBIMI displays brand logos in email clients
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
OCSP Stapling Not Enabled
LOWOCSP stapling improves performance and privacy
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 Delete Lock Not Enabled
LOWDomain can be deleted without additional verification
Invalid SPF Record
MEDIUMSPF record syntax is invalid
DMARC Policy Set to None
LOWDMARC is configured but not enforcing any policy
Domain Registration Details
- •Privacy/proxy registration detected
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