⚠ Built by a fraud analyst

Check a payment before you send it.

Catch fraud before it happens — flag suspicious payment instructions, vendor mismatches, and email scams in seconds.

Works for: Wire transfers ACH payments Invoices Vendor payments

Check a Payment Now →

Takes 10 seconds. No setup required. Free to start.

Real scenario — wire fraud attempt

✓

Known vendor Paid Johnson Electrical 6 times. Always reliable.

📧

New invoice arrives $12,500 for electrical work. Looks completely normal.

🚨

Hidden in the fine print "Please note we have changed our banking institution..."

⚠ Do NOT send this payment yet

Routing number changed on known vendor. New routing fails Federal Reserve validation — fabricated number. High confidence BEC fraud attempt.

→ Call vendor on a number from your own records before paying

The Problem

Most payment fraud happens right before you send.

It doesn't look like fraud. It looks like a normal invoice or a routine email. By the time you realize — the money is gone.

Changed bank details A vendor emails "updated" payment instructions. The invoice looks identical — same logo, same amount — but the account number changed. You wire the money. It goes to a fraudster.

→ Wire transfers are nearly impossible to reverse

Fake vendor A new supplier contacts you with a great price. You pay the deposit. The vendor doesn't exist — it was created to collect your payment and disappear.

→ Money gone before any goods are delivered

Urgent wire request An email from your CEO: "Wire $8,500 immediately — closing a deal, keep confidential." The urgency overrides your instincts. You send it. The email was fake.

→ Funds gone within minutes, account overseas

When to Use It

Before money leaves your business.

🏦

Before sending a wireWires are irreversible. Run a check before you hit send — every time.

📄

When bank details changeA vendor says they changed banks. This is the #1 fraud signal. Always verify.

🏢

Paying a new vendorNo history, no trust established. Check before you commit to a first payment.

📧

Suspicious emailSomething feels off — urgency, unusual request, strange sender. Check the email first.

💰

Large invoicesAny payment over $1,000 is worth a 10-second check before it goes out.

⚡

Urgent payment requestsPressure to pay fast is a red flag. Slow down and check before acting.

How It Works

Simple. Fast. Decisive.

📋

Enter the details

Paste payment instructions, vendor info, invoice details, or a suspicious email. Upload a PDF invoice for automatic extraction.

🔍

We analyze instantly

Routing numbers verified against the Federal Reserve. AI trained on real fraud patterns checks bank detail changes, fake vendors, typosquat domains, and more.

⚡

Get a clear verdict

Risk score, specific red flags, and exact next steps — written in plain English. Know whether to pay, verify, or stop.

Takes about 10 seconds. No account needed.

What We Detect

Built on real fraud analyst rules.

Not generic AI — detection logic built by a specialist in payment fraud, account takeovers, and phishing. The exact patterns used in real attacks.

🏦

Payment instruction changes

Catches "we recently changed our banking institution" — the #1 phrase in wire fraud. Routing numbers verified against the Federal Reserve database in real time.

👻

Phantom vendors

Fake companies created solely to collect payments. Flags no web presence, P.O. box only, Gmail addresses, and suspiciously low invoice numbers.

📧

Email impersonation

Character-by-character domain analysis catches mlcr0soft.com vs microsoft.com. CEO fraud, urgency tactics, and secrecy requests all flagged.

🧠

Vendor memory

Remembers routing numbers from past checks. If a vendor's bank details change between invoices — you get an immediate alert before paying.

🔗

Phishing links

Paste any suspicious link before clicking. Detects credential harvesting sites, cloned login pages, and lookalike domains designed to steal access.

📄

Invoice manipulation

PDF upload extracts all fields automatically. Catches round amounts, mismatched addresses, low invoice numbers, and changed payment details.

Transparency

What PaySentinel doesn't do

We believe in being upfront. PaySentinel works best as a final check before sending money — not as a replacement for good payment controls.

Doesn't monitor your bank accounts or payment systems automatically
Doesn't replace verbal verification with vendors for high-value payments
Doesn't guarantee fraud detection — it analyzes what you provide
Works best as a last step before sending, not your only fraud control

"As a fraud analyst focused on payment fraud, account takeovers, and phishing, I see these patterns every day. Small businesses face the same threats — but without any of the tools. I built PaySentinel to change that."

Founder, PaySentinel — Fraud Analyst specializing in payment fraud, account takeovers & phishing

Pricing

Start free. Upgrade when ready.

No credit card required. No account needed to start.

Free

forever

5 payment checks per month
All check types — wire, invoice, vendor, email
PDF invoice upload
Routing number verification
PDF report export
Vendor memory