How do I verify a supplier has actually changed bank details?

Call the supplier using a trusted phone number you already have on file (do not use the phone number in the email requesting the change) and speak to them directly.

I already sent a payment to a fraudulent account. What now?

Contact your bank immediately and ask them to recall the wire/transfer. Time is critical. Then report the incident to authorities.

Why didn't my email filter catch the fake invoice?

Scammers often compromise legitimate email accounts (Business Email Compromise) to send these invoices, bypassing basic spam filters because the sender account is technically real.

Payment Scam Checker

Payment scam checker for fake invoices and redirect fraud.

Got an email claiming a payment failed, you were overpaid, or a supplier's banking details have changed? Stop. Do not pay the invoice or reply without independently verifying the details first.

Security Insight

Fake payment alerts and invoice fraud are the most common financial scams, targeting both businesses and individuals to trick them into wiring money to attacker-controlled accounts.

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Detecting fake payment requests

Attackers exploit the routine nature of payments. Watch out for these common scenarios designed to intercept your money.

Supplier payment redirect fraud (BEC)

An email appearing to be from a known supplier, claiming their bank details have changed and asking you to update your records for the next invoice.

Overpayment refund scams

A scammer sends a fake proof of payment showing they 'accidentally' overpaid you, demanding you wire back the difference.

Your payment failed alerts

A notification claiming your recent payment method declined for a subscription or order, linking to a fake site to harvest your credit card.

Fake CEO fraud / Executive requests

An urgent email spoofing a company executive, asking an employee to urgently purchase gift cards or process a fast wire transfer.

What IsThisSpam checks before you trust a sender

Quick verdicts are useful, but the real value is understanding why something looks safe, uncertain, or risky.

Urgency and pressure

Scammers emphasize deadlines—'overdue accounts' or 'service suspension' to bypass your critical thinking.

Altered reply-to addresses

The email may look like it's from a trusted contact, but the 'Reply-To' field goes to an external scammer address.

New banking details

Any request to change established payment routing should be treated as highly suspicious and verified out-of-band.

Vague invoice descriptions

Fake invoices often lack specific purchase order numbers, service details, or regular contract markers.

Related guides

Use the checker for the fast answer, then read the deeper guidance for recurring scam patterns.

Invoice Fraud Checker

Learn more about specific business email compromise (BEC) and fake invoice scenarios.

Read the guide

PayPal Invoice Scams

Check out how scammers abuse legitimate invoicing tools to request money.

Read the guide

FAQ

These are the questions people usually ask right before they click, reply, or pay.

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