Is puntopago.net Safe? Security Analysis for Punto Pago Panamá S.A.
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AI Summary
Punto Pago Panamá S.A. operates a comprehensive fintech platform branded as 'Punto Pago', offering a super-app experience that integrates payment services, marketplace functionalities, and card issuance primarily targeting consumers and businesses in Panama. The platform provides instant issuance of physical and virtual Mastercard debit cards, credit lines, bill payments, and a marketplace for buying and selling products with delivery services. The company maintains an active digital presence with mobile apps on iOS and Android, and social media engagement across major platforms. Technically, the website employs modern web technologies including Google Maps API, Segment Analytics, and Google Tag Manager, delivering a good user experience with mobile optimization and clear navigation. Security posture is adequate with HTTPS enforced and secure forms, though lacks visible security headers and published security policies. Privacy compliance is weak due to absence of privacy and cookie policies. Overall, the website is professional and trustworthy, but could improve transparency and security practices.
Detected Technologies
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
Punto Pago positions itself as a local leader in Panama's fintech and e-commerce sectors by combining financial services with marketplace capabilities. Its business model leverages instant card issuance, credit facilities, and integrated payment solutions to attract a broad customer base. The presence of kiosks and partnerships with Mastercard enhance its market credibility. Revenue streams likely include card issuance fees, transaction fees, marketplace commissions, and credit services. The company benefits from a growing digital ecosystem and partnerships with technology providers. Strategic observations include the need to formalize privacy and security policies to align with regulatory expectations and enhance customer trust.
Extracted Contact Information
Marketing Intelligence Data
Email Addresses (1)
Phone Numbers (1)
Security Posture Analysis
Comprehensive Security Assessment
The website demonstrates a moderate security maturity level with HTTPS enabled and secure form handling including file uploads. However, the absence of key security headers such as Content-Security-Policy and X-Frame-Options reduces defense-in-depth. No public incident response or security policies are found, indicating potential gaps in transparency and readiness. The use of third-party analytics and tracking scripts necessitates careful monitoring for vulnerabilities. No explicit vulnerabilities or exposed sensitive data were detected in the analysis. Compliance with GDPR or similar regulations is not evident, which may pose risks if the company expands internationally or handles EU citizen data.
Strategic Recommendations
Priority Actions for Security Improvement
Publish comprehensive privacy and cookie policies with clear GDPR compliance statements.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Punto Pago Panamá S.A.
Punto Pago es la super-app. Desde pagos hasta el mercado de entrega rapida. En un lugar.
good
consistent
Technical Stack
moderate
good
basic
good
Security Assessment
- HTTPS enforced
- Secure forms with file upload
- Use of Google Maps API with API key
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 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 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, LinkedIn, YouTube, Google APIs
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
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
DMARC Policy Set to None
LOWDMARC is configured but not enforcing any policy
Domain Registration Details
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