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Is onlypay.top a Scam? Security Check Results - ONLYPAY (HONG KONG) LIMITED Reviews

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Is onlypay.top Safe? Security Analysis for ONLYPAY (HONG KONG) LIMITED

Check if onlypay.top is a scam or legitimate. Free security scan and reviews.

FinanceChinamedium
BootstrapjQueryOwl CarouselMagnific PopupWOW.js+2 more
Analyzed 8/2/2025Completed 4:08:36 PM
61
Security Score
MEDIUM RISK

AI Summary

Onlypay is a specialized cross-border payment technology provider targeting e-commerce merchants and enterprises expanding internationally. The company offers a comprehensive suite of payment solutions including multi-currency collection, rapid withdrawals, compliance with multiple jurisdictions, and support for international credit cards and local wallets. Their market position is strengthened by partnerships with major e-commerce platforms such as Shopify and WooCommerce, serving over 700,000 cross-border sellers globally. Technically, the website employs modern frontend technologies including Bootstrap and jQuery, with a responsive design and moderate performance. However, there is a lack of visible security headers and explicit cookie consent mechanisms, which are areas for improvement. The WHOIS data is unavailable, which slightly impacts trust but does not negate the legitimacy suggested by the detailed business content and contact information. Security posture is moderate with no critical vulnerabilities detected in the content, but the absence of security policies and incident response contacts indicates room for maturity. Privacy compliance is basic with privacy and cookie policies present but lacking active consent mechanisms. Overall, the site is professional and trustworthy but would benefit from enhanced security and compliance transparency. Strategic recommendations include implementing robust HTTP security headers, enhancing privacy compliance with explicit consent, publishing incident response and vulnerability disclosure information, and improving WHOIS transparency to boost trustworthiness.

Detected Technologies

BootstrapjQueryOwl CarouselMagnific PopupWOW.jsAjaxChimpCustom JS

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

Onlypay operates in the finance and e-commerce sectors as a payment technology provider facilitating cross-border transactions. Their business model focuses on providing integrated payment solutions to independent e-commerce sites and digital entertainment apps, leveraging a global payment network. The company targets Chinese enterprises and cross-border sellers aiming to expand internationally, offering services that reduce payment friction and optimize fund flow. Partnerships with leading e-commerce platforms enhance their ecosystem and market reach. Growth indicators include a large user base and multi-country coverage. The company emphasizes compliance and security but lacks public certifications. The business appears medium-sized with a focus on technology-driven financial services.

Extracted Contact Information

Marketing Intelligence Data

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a moderate security maturity level. HTTPS is presumably enabled (not explicitly confirmed), but no HTTP security headers were detected in the HTML content. There is no visible vulnerability disclosure or incident response contact information, which limits transparency. Customer data collection is limited to contact forms with client-side validation, and no sensitive data exposure was found. Privacy policies exist but lack explicit GDPR compliance statements or cookie consent mechanisms. The absence of security certifications and incident response readiness suggests the need for improvement in security governance and transparency.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement comprehensive HTTP security headers including Content-Security-Policy, Strict-Transport-Security, X-Frame-Options, and X-Content-Type-Options.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

ONLYPAY (HONG KONG) LIMITED

Description:

Onlypay致力于创建“更简单的跨境支付”事业。凭借强大的合规安全实力与高效、灵活的全球支付网络,目前已支持全球数十家电商平台、覆盖全球超过100个国家和地区,成为了70万+跨境电商卖家信任的一站式跨境支付平台。

Key Services:
跨境独立站支付解决方案游戏及App出海支付解决方案多币种收款快速提款监管合规支付服务支持国际信用卡及本地钱包支付多平台及API接入
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
BootstrapjQueryOwl CarouselMagnific PopupWOW.jsAjaxChimpCustom JS
Frameworks:
Bootstrap
Platforms:
Web
Performance:

moderate

Mobile:

good

Accessibility:

basic

SEO:

good

Security Assessment

Security Score:
60/100
Best Practices:
  • No exposed sensitive data in HTML
  • Contact form uses modal with client-side validation

Analytics & Tracking

Services:
Baidu Analytics
Tracking Level:moderate
Privacy Compliance:basic

Advertising & Marketing

Tracking Pixels:
Baidu Analytics
Transparency Level:basic

Website Quality Assessment

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

Key Observations

1

Website is fully accessible with rich content in Chinese targeting cross-border e-commerce payment solutions.

🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

35/100
Score

Missing X-Frame-Options header

HIGH

Prevents clickjacking attacks

Missing X-Content-Type-Options header

MEDIUM

Prevents MIME type sniffing

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

68/100
Score

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

No Data Protection Officer mentioned

LOW

Large organizations may need to designate a DPO under GDPR

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

GDPR Compliance Analysis

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

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

2/100
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

Critical sector without clear security compliance

HIGH

Detected sectors: transport, digital

📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

75/100
Score

DMARC not enforcing

MEDIUM

DMARC policy is set to "none"

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.mail.qq.com ~all
DNS Lookups:1/10
Policy:~all
DKIM Selectors Found
Selector:s1(1440-bit rsa)
DMARC Details
Policy:none
Aggregate Reports:54bc8526847d47acb1029fd53ec084b3@dmarc-reports.cloudflare.net

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

62/100
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 79 days

Mixed Content Detected

MEDIUM

2 resources loaded over insecure HTTP

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

75/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

Domain Delete Lock Not Enabled

LOW

Domain can be deleted without additional verification

DMARC Policy Set to None

LOW

DMARC is configured but not enforcing any policy

Domain Registration Details

Domain Age
3 years(established)
Expiry Risk
none(365 days)
Protection Level
basicDNSSEC OFF

DNS Records

A Records:43.159.99.22, 43.159.98.23
Name Servers:
clara.ns.cloudflare.com
dylan.ns.cloudflare.com
MX Records:
10: mxbiz2.qq.com
5: mxbiz1.qq.com
SOA:Serial: 2379411723, TTL: 1800s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:179ms

SPF Analysis

SPF Record:
v=spf1 include:spf.mail.qq.com ~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

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website uses a modern frontend stack with Bootstrap for responsive design and jQuery-based plugins for UI components such as carousels and popups. The site is mobile-optimized with good navigation clarity and SEO meta tags. Performance is moderate, with no major issues detected. However, the absence of a detected CMS suggests a custom or lightweight platform. Hosting provider details are not available. The site lacks advanced accessibility features and security headers, indicating technical debt in security hardening. Overall, the technical implementation supports business needs but requires enhancements in security and compliance features.
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