Don't Trust a Payment Change Just Because It Came by Email
Business email compromise doesn't need to breach your systems — it just needs one convincing message to get a payment redirected. ArayaPRO verifies bank detail changes independently of the email that requested them.
Are you struggling with...?
Email is often the weakest link in the payment chain, not because it's insecure, but because it's trusted by default.
A compromised inbox looks completely normal
An attacker with access to a real supplier or internal inbox can send requests that look exactly like the real thing.
Impersonation without a breach
A fraudster doesn't always need to hack anything — a spoofed domain or lookalike address can be enough.
Email is treated as the source of truth
A bank detail change request by email is often actioned on its own, without checking it against anything else.
The damage is discovered after payment
By the time a compromised email is identified, the payment it triggered has usually already gone out.
Verification independent of the email itself
ArayaPRO validates bank detail changes against real banking data, and applies callback and microdeposit verification for higher-risk changes — confirmed through contact details you already hold, not the ones provided in the request.
- Bank account & branch validation
- Independent callback verification
- Microdeposit confirmation
- Audit trail of every change
Why independent verification matters here
Removes email as the single point of trust
A payment change is confirmed through an independent channel, not the message that requested it.
Works regardless of how the email was compromised
It doesn't matter whether an inbox was hacked or simply spoofed — the verification step is the same.
A record of how the change was confirmed
Evidence that a change was independently verified, not just actioned from an email.
Built for the full supplier lifecycle
Bank verification and callback procedures are part of the wider 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
No — ArayaPRO doesn't protect your email systems directly. It reduces the payment consequences of a compromised or spoofed email by independently verifying bank detail changes before they affect a payment.
Changed bank details are validated against banking data, and for higher-risk changes ArayaPRO can apply microdeposits and callback procedures using contact details already on file — not the ones in the request.
Bank Detail Change Fraud focuses on the specific moment a bank account is changed. Business email compromise is the broader attack method — a compromised or spoofed email — which can be used to attempt a bank detail change, a fake invoice, or other fraudulent requests. ArayaPRO's verification closes the payment risk regardless of which form it takes.
No — that sits with your email provider and IT security controls. ArayaPRO's role is to make sure a compromised email can't translate into a fraudulent payment.
Verification can be applied proportionally to risk, so lower-risk changes move quickly and higher-risk changes receive additional scrutiny.
Ready to stop email compromise turning into a fraudulent payment?
Book a demo and see how ArayaPRO independently verifies bank detail changes.