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HIGH VULNERABILITY FINTECH JURISDICTION: GB VERIFIED AUDIT

Payhawk Ltd (payhawk.com)

Executive Compliance, WCAG 2.2 / European Accessibility Act (EAA), Cyber Hygiene & AI Discoverability Audit

1. Executive Summary & Statutory Fine Exposure Score: 68/100

Comprehensive pre-flight risk evaluation against mandatory EU Directive 2019/882 (European Accessibility Act) and EN 301 549 standards.

WCAG Risk Index
68/100
Security Headers
98/100
AI Discoverability
88/100 (B+)
DMARC Policy
REJECT
Statutory Regulatory Exposure: €150,000 regulatory sanction risk + mandatory transaction portal gating under EAA & BaFin/FCA guidelines. Under the EU European Accessibility Act (transposed across EU member states including the German BFSG, French Law 2023-171, and Irish SI 636/2023), private commercial service providers face mandatory compliance enforcement effective June 28, 2025. Non-compliant consumer portals risk formal market surveillance sanctions, public injunctions, and commercial liability.
2. Live WCAG 2.2 & EU EAA EN 301 549 Violations 1 Violations Flagged

Direct DOM inspection findings across keyboard navigation, semantic markup, and mandatory statutory disclosures.

Standard & Criterion Severity Observed Finding & Remediation Requirement
WCAG 2.4.1 (Level A)
Bypass Blocks		 Critical Keyboard skip navigation link detected on initial focus.
WCAG 3.1.1 (Level A)
Language of Page		 Compliant <html> tag specifies a valid language attribute.
WCAG 1.1.1 (Level A)
Non-text Content		 Compliant All sampled storefront images provide alt attributes or decorative role tagging.
WCAG 4.1.2 / 1.3.1 (Level A)
Form Inputs & Labels		 Compliant All interactive form inputs correctly define accessible programmatic names.
EU Directive 2019/882
EN 301 549 Clause 9		 Statutory Gap Missing compliant Accessibility Statement link. EU EAA requires all commercial digital services to publish accessible conformance statements.
3. HTTP Security Headers & Email Authentication Posture Enforced (p=reject)

Transport layer security headers and SPF/DMARC domain anti-spoofing verification.

Control Status Impact & Recommendation
DMARC DNS Policy REJECT
v=DMARC1; p=reject; pct=100; sp=reject; rua=mailto:dmarc@payhawk.com
Active domain protection enforced across mail servers.
SPF DNS Policy SOFT_FAIL
v=spf1 include:spf.mailjet.com include:amazonses.com include:_spf.google.com include:email.chargebee.com ~all
Missing Security Headers 0 Missing All standard HTTP defense headers present.
4. AI Agent & LLM Discoverability Audit (/llms.txt) Indexed (/llms.txt Found)

Readiness for autonomous AI search agents (ChatGPT Search, Perplexity Pro, Claude Artifacts, and WebMCP shopping agents).

Status: payhawk.com hosts a valid /llms.txt file. AI agents can cleanly digest product architecture and documentation.

# Recommended /llms.txt specification for payhawk.com # Payhawk Ltd (payhawk.com) > Official Documentation & Enterprise Service Catalog for AI Agents ## Core Endpoints & Legal - [Home & Catalog](https://payhawk.com/): Primary storefront & capabilities - [Accessibility Statement](https://payhawk.com/accessibility): EU EAA EN 301 549 statement - [Security & Compliance](https://payhawk.com/security): Trust center & data governance
5. Bespoke Remediation Sprint Proposal Turnkey Gating

Rapid, zero-headcount engineering remediation sprint designed specifically for Payhawk Ltd's stack.

$3,450 Comprehensive FinTech DMARC Enforcement, WCAG 2.2 & Security Sprint
Turnaround: 48 Hours • Scope: Full DOM, Security & AI Hardening
$3,450
  • Turnkey native HTML/DOM remediation (bypass blocks, form labels, ARIA landmarks)
  • Mandatory EU EAA EN 301 549 Accessibility Statement page and footer integration
  • HTTP Security Header policy injection (HSTS, CSP report-only, X-Frame-Options)
  • DMARC policy hardening roadmap from p=none to p=quarantine/reject with SPF alignment
  • /llms.txt and /.well-known/mcp.json generation for AI search discoverability
Direct Theme / HTML Code Remediation Patch:
<!-- 1. WCAG 2.4.1 Skip-to-Content bypass link (Insert at top of <body>) --> <a href="#MainContent" class="skip-link visually-hidden-focusable">Skip to main content</a> <!-- 2. WCAG 4.1.2 Programmatic Label on Search & Form Fields --> <input type="search" name="q" aria-label="Search Payhawk Ltd catalog" placeholder="Search..." /> <!-- 3. EU EAA EN 301 549 Mandatory Footer Link --> <a href="/pages/accessibility-statement" rel="help">Accessibility Statement (EN 301 549)</a>
Prepared by AccessGuard Pro Executive Advisory • Zero-Call Async Delivery • Contact: ronan.chenlopes@gmail.com
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