Don't Let a Bank Detail Change Become a Costly Mistake
A bank detail change request is one of the highest-risk moments in the entire supplier relationship. ArayaPRO independently verifies every change before it's trusted with a payment.
Are you struggling with...?
A bank detail change looks routine. That's exactly why it's such an effective way to commit fraud.
Requests arrive by email, unverified
'Please update our bank details' is easy to write, easy to send from a compromised account, and easy to action without a second check.
Impersonation of a known contact
A fraudster impersonating a real supplier contact — sometimes using a compromised inbox — makes the request look completely legitimate.
Manual verification is inconsistent
Some bank detail changes get a phone call to confirm, others get actioned straight from the email, depending on who receives it.
No independent check against banking data
Even a genuine-looking change is rarely checked against actual bank account and branch data before being accepted.
Independent verification for every bank detail change
ArayaPRO validates changed bank details against global banking data, and applies additional independent checks — microdeposits and callback procedures — for changes that carry meaningful payment risk, before the new details are trusted.
- Bank account & branch validation
- Microdeposit confirmation
- Independent callback procedures
- Audit trail of every change
Why independently verify every change
Close the highest-risk moment
Bank detail changes get the scrutiny they deserve, not the benefit of the doubt.
Consistent process, every time
Every change goes through the same verification steps, regardless of who receives the request.
Proof the change was verified
A complete record of how and when a bank detail change was confirmed, ready if it's ever questioned.
Built for the full supplier lifecycle
Bank detail change verification draws on the same registry and banking data behind the rest of the ArayaPRO platform.
Supplier Onboarding
Onboard suppliers with identity verified against global corporate registries and bank branches, and bank accounts confirmed with microdeposits and callback procedures.
Document Validation
Request contracts, insurance, and compliance documents, and let AI review flag missing information or inconsistencies before a human has to.
Payment Verification
Every payment is cross-checked against trusted databases before it's released, so mismatches and risk are caught pre-payment, not after.
Risk & Insights
Purpose-built reports across risk, coverage, and audit trail, so you always know exactly where supplier risk stands across your portfolio.
Radar
Ongoing media monitoring flags positive and adverse news about your suppliers, before it becomes your problem.
Frequently asked questions
It's when a fraudster — often impersonating a supplier or using a compromised email account — requests that future payments be sent to a new bank account they control, rather than the supplier's real account.
Changed bank account and branch details are validated against global banking data, and for higher-risk changes ArayaPRO can apply microdeposits and independent callback procedures to confirm the change directly, rather than relying on the email that requested it.
A callback procedure means confirming a change through a contact method you already have on file — not one provided in the change request itself — which defeats most email-based impersonation attempts.
No — ArayaPRO applies verification proportional to risk, so lower-risk changes move quickly and higher-risk changes get microdeposits and callback verification.
Validation against banking data happens automatically. Microdeposits and callback procedures, where applied, typically add a short, defined verification step rather than an open-ended delay.
Ready to verify every bank detail change?
Book a demo and see how ArayaPRO independently confirms bank detail changes before a payment is affected.