⚠ 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
$2.77B
Lost to payment fraud in 2024
$19,372
Average loss per incident
33%
Year over year increase
10s
To run a check
Source: FBI Internet Crime Complaint Center (IC3) 2024 Annual Report
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
Once you send the money, it's often unrecoverable.
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.

01
Enter the details
Paste payment instructions, vendor info, invoice details, or a suspicious email. Upload a PDF invoice for automatic extraction.
02
We analyze instantly
Routing numbers verified against the Federal Reserve. Detection logic built from real fraud investigation patterns checks bank detail changes, fake vendors, typosquat domains, and more.
03
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.
Want to know exactly what gets checked and how the risk score is built? See the full technical breakdown →
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.
"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

Simple, honest pricing.

Start free — no credit card, no account. Upgrade when you need more.

Free
$0
forever
Good for occasional checks or trying it out.
  • 10 checks per month
  • All 4 check types (vendor, invoice, email, transaction)
  • PDF invoice upload & auto-extraction
  • Risk score + red flags + action steps
  • PDF report export
  • Session history only
Start for free
Pro
$29
per month
For solo business owners, bookkeepers & AP staff.
Launching soon
  • Unlimited checks
  • Everything in Free
  • Persistent history across sessions (500 entries)
  • Full Investigation Queue & case management
  • Vendor memory across sessions
  • Risk analytics & threat intelligence dashboard
  • Confidence scoring & score contributors
  • Historical intelligence correlation
  • Priority support
Join the waitlist →
Team
$99
per month
For small accounting teams and growing businesses.
Launching soon
  • Unlimited checks
  • Everything in Pro
  • Multiple users & shared workspace
  • Shared investigation queue
  • Audit logs & case export
  • Admin controls
  • Team analytics dashboard
  • Dedicated support
Join the waitlist →
🔒 Your history stays on your device
Case data, vendor memory, and investigation history is stored locally in your browser — never uploaded to our servers. Payment details you submit for analysis are sent to our secure analysis engine for processing. We do not store or retain your submission data after analysis is complete.
Free Guides

Learn the patterns before you need them.

Practical, investigator-written guides on spotting fraud before it costs you — free, no signup required.

📧
Business Email Compromise Examples
8 common BEC scam patterns, annotated, with the exact red flag that gives each one away.
Read the guide →
🤖
AI-Enhanced BEC: How BEC 2.0 Works
Voice cloning, deepfake video calls, and AI-generated phishing — why old detection advice no longer works and what does.
Read the guide →
🏦
ACH Fraud Red Flags
10 red flags that signal ACH payment fraud — and how to act fast before the 24-hour reversal window closes.
Read the guide →
🚨
Sent Money to a Scammer?
7 steps to take immediately — wire recall, IC3 report, insurance claim, and how to secure your accounts.
Read the guide →
🚩
Invoice Fraud Red Flags
12 warning signs that reveal a fake or altered invoice, with real annotated examples — before you pay it.
Read the guide →
✅
Vendor Verification Checklist
A 6-step process to safely verify any vendor before sending a wire transfer or payment.
Read the guide →
🛡️
Best Fraud Detection Tools for Small Business
An honest comparison of fraud detection tools — what's actually built for small businesses vs. enterprise teams.
Read the guide →
🔲
QR Code Invoice Fraud
How "quishing" scams hide fraudulent bank details inside a scannable code — and why your email filters can't catch it.
Read the guide →
Stay ahead of it

New fraud patterns, straight to your inbox.

Occasional emails on emerging scam tactics and red flags — written by a fraud analyst, not a marketer. No spam, unsubscribe anytime.

Free forever. No account required to read the guides.

Stop fraud before it costs you.

About to send a wire or pay an invoice? Run it through PaySentinel first. Takes 10 seconds. Could save thousands.

Try It Free — No Card Needed → See Pricing
Free to start. No account required. No setup.