Is payco.com Safe? Security Analysis for 엔에이치엔페이코(주)
Check if payco.com is a scam or legitimate. Free security scan and reviews.
AI Summary
PAYCO is a prominent South Korean digital payment and lifestyle platform operated by 엔에이치엔페이코(주). The website offers a comprehensive suite of services including online and offline payments, point rewards, money transfers, financial product marketplaces, and membership benefits. The platform targets general consumers in South Korea, providing convenience and integrated financial services. Technically, the website employs modern JavaScript technologies, Google Tag Manager for analytics, and is hosted on NHN Cloud infrastructure. The site is well-structured, mobile-optimized, and provides a professional user experience. Security posture is solid with HTTPS enforced and no visible vulnerabilities, though improvements are recommended in security headers and explicit cookie consent mechanisms. The absence of WHOIS data is a notable anomaly but does not detract significantly from the overall legitimacy given the strong business presence and official contact information. Overall, PAYCO presents as a trustworthy and mature digital financial service provider with room for enhanced security and privacy compliance.
Detected Technologies
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
PAYCO holds a leading position in the Korean digital payment market, leveraging a broad ecosystem of services that integrate payments, financial products, and lifestyle benefits. Its business model revolves around providing seamless payment solutions combined with rewards and financial management tools, targeting a wide consumer base. The company benefits from strong partnerships within the NHN group and related service domains, enhancing its market reach and service diversity. Revenue streams likely include transaction fees, financial product commissions, and value-added services. The platform's extensive service offerings and integration with mobile and online channels indicate a strategic focus on digital transformation and customer retention through loyalty programs. The presence of developer and partner centers suggests an open ecosystem approach fostering third-party integrations and innovation.
Extracted Contact Information
Marketing Intelligence Data
Email Addresses (1)
Phone Numbers (2)
Physical Addresses (1)
Company Registration
엔에이치엔페이코(주)
563-81-00723
Security Posture Analysis
Comprehensive Security Assessment
The website demonstrates a mature security posture with mandatory HTTPS usage and no exposed sensitive data in the HTML content. However, the lack of visible security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options indicates potential areas for hardening against common web attacks. No explicit incident response or vulnerability disclosure information is provided, which could limit transparency and responsiveness to security threats. Privacy compliance is partially addressed with a privacy policy present but lacks a cookie consent mechanism and GDPR-specific indicators. Overall, the security maturity is good but could be improved by adopting comprehensive security headers, publishing security policies, and implementing user consent mechanisms.
Strategic Recommendations
Priority Actions for Security Improvement
Implement comprehensive HTTP security headers including CSP, HSTS, and X-Frame-Options to enhance protection against web attacks.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
엔에이치엔페이코(주)
PAYCO offers convenient payment, point accumulation, simple financial services, secure electronic document storage, and lifestyle services accessible anywhere.
good
consistent
Technical Stack
moderate
good
basic
good
Security Assessment
- HTTPS enforced
- No exposed sensitive data in HTML
- No visible vulnerable libraries
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is fully accessible with rich content in Korean language.
🛡️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 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 Privacy Policy found
HIGHGDPR requires a clear and accessible privacy policy
No Cookie Policy found
HIGHGDPR requires clear information about cookie usage
No Cookie Consent Banner found
HIGHGDPR requires explicit consent for non-essential cookies
Third-party services without privacy policy
HIGHDetected services: Google Analytics, Facebook
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: transport, banking, digital
📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
DMARC not enforcing
MEDIUMDMARC policy is set to "none"
No DKIM record found
MEDIUMDKIM adds cryptographic signatures to emails
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
DMARC Details
🏆SSL/TLS Security
Certificate validity and encryption analysis.
SSL/TLS Security
Certificate validity and encryption analysis
Unable to retrieve SSL certificate
CRITICALCould not establish secure connection to retrieve certificate information
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
DMARC Policy Set to None
LOWDMARC is configured but not enforcing any policy
DNS Records
DNSSEC Status
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