Stop Payment Fraud Before the Money Leaves Your Account
Payment fraud is rarely caught after the fact — by the time it's discovered, the money is usually gone. ArayaPRO focuses on prevention: verifying supplier and bank information before a payment is ever released.
Where payment fraud actually gets in
Payment fraud doesn't usually involve a dramatic hack — it exploits ordinary gaps in verification and process.
Compromised or spoofed email
A convincing email, apparently from a known supplier, asking for payment to a 'new' bank account.
Fabricated or impersonated suppliers
A fake supplier added to your system, invoiced, and paid before anyone checks whether the business actually exists.
Human error under time pressure
A busy accounts payable team approving a payment quickly, without an independent check on unfamiliar or changed details.
Weak controls on bank detail changes
A bank detail change request accepted by email, with no independent verification before the next payment goes out.
Prevention, not just detection after the loss
ArayaPRO closes the gaps fraud relies on — verifying supplier identity and bank details at onboarding, re-checking payments against trusted data before release, and applying independent verification such as callback procedures to changes that carry real risk.
- Supplier & bank verification at onboarding
- Payment checks before release
- Callback verification for bank changes
- Full audit trail
Why prevention-first matters
Stop fraud before funds leave
Verification happens before a payment is released, not as a post-mortem after the loss.
Independent checks, not just trust
Every supplier and bank detail is checked against real data, not accepted on the strength of an email.
Evidence when it matters most
A complete audit trail shows exactly what was checked, which is critical if a fraud attempt does get through.
Built for the full supplier lifecycle
Payment fraud prevention runs across the whole ArayaPRO platform, not one isolated check.
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
ArayaPRO verifies supplier identity and bank details before they're trusted with a payment, and re-checks payments against that verified data before release — so fraudulent or incorrect details are caught before funds move, not after.
Business email compromise and fraudulent bank detail change requests are among the most common patterns — a supplier's email is spoofed or compromised, and a 'new' bank account is provided for the next payment.
ArayaPRO can't stop an email being spoofed, but it verifies bank detail changes against independent data — including callback procedures — so a fraudulent change doesn't result in payment without being caught.
No — SMEs are frequently targeted precisely because controls are often less formal. A single successful fraud can be more damaging to a smaller business's cash flow than to a large enterprise.
No — staff awareness remains important, but ArayaPRO removes the reliance on a person catching every fraud attempt manually, by independently verifying the data itself.
Contact your bank immediately to attempt to recall the payment, and get in touch with us — we can talk through how ArayaPRO's verification would apply to your payment process going forward.
Ready to close the gaps fraud relies on?
Book a demo and see how ArayaPRO verifies suppliers and payments before money moves.