{"uid":"cap_7rCL49vKBN7eI_C_5TmNa","slug":"verdict-l402-payee-check-bec-invoice-fraud-guard-cce640e9","name":"Verdict L402 – Payee Check (BEC / Invoice Fraud Guard)","description":"Invoice-fraud guard for AI agents that pay bills. Detects supplier bank-detail change fraud (BEC) before payment: checks the IBAN and sender domain against your supplier record (lookalike domains included), then reads pressure and off-channel requests. Returns ok, verify_callback or freeze_payment.","url":"https://verdict.kechlab.com/v1/payee-check?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"body":{"type":"string","description":"the email body"},"sender":{"type":"string","description":"(optional) sender address"},"subject":{"type":"string","description":"(optional) email subject"},"known_supplier":{"type":"object","description":"(optional but recommended) { name, domain, iban } from your supplier record"}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.05","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.05/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_k-PCcfhmR5MIFgprSum3t","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.05","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Detects supplier bank-detail change fraud (BEC) in payment emails by validating IBAN and sender domain against your supplier record and reading pressure signals, returning ok, verify_callback, or freeze_payment.","exampleAgentPrompt":"Before you pay this invoice, run a BEC check on it — the email body says to send £42,000 to a new IBAN GB29NWBK60161331926819, the sender is accounts@acme-invoices.net, and our supplier record shows Acme Ltd uses domain acme.com and IBAN GB29NWBK60161331926820. Tell me if it's safe to pay, needs a callback to verify, or should be frozen.","exampleUseCases":[{"title":"Accounts-payable bot safeguard","prompt":"My payment agent just received an invoice email from billing@fast-logistics.net asking us to update our supplier Fast Logistics to a new IBAN DE89370400440532013000. Our supplier record has domain fastlogistics.com and IBAN DE89370400440532013001 — screen this for BEC fraud before the bot sends anything."},{"title":"Urgent after-hours payment request","prompt":"We got an email at 11pm from the CFO's assistant saying we must wire $85,000 to a new account first thing tomorrow or we lose the contract — the sender domain is cfo-assistant@acme-corp.net but our supplier is registered under acme.com. Is this a social-engineering scam? Check the pressure signals and domain for me."},{"title":"New vendor IBAN registration","prompt":"A new supplier just emailed us their banking details: IBAN FR7630006000011234567890189 from the address payments@supplier-onboard.fr, and our record shows their domain should be supplieronboard.fr. Run a payee fraud check to see if the domain is a lookalike and whether it's safe to register these bank details."}],"resultDescription":"Returns one of three verdicts: 'ok' (safe to pay), 'verify_callback' (call the supplier through a known channel before paying), or 'freeze_payment' (strong fraud signals detected — do not proceed). May include signals explaining the decision: IBAN mismatch, lookalike sender domain, urgency/pressure language, or off-channel redirection tactics.","failureModes":["Missing email body causes insufficient signal for a reliable verdict","No known_supplier record provided reduces IBAN and domain comparison accuracy","Lookalike domain detection may miss highly novel homograph attacks","Legitimate urgent emails may trigger verify_callback false positives","Non-English email bodies may reduce pressure-signal detection quality","Invalid or malformed IBAN in input may cause comparison to fail silently"],"whenToPreferThis":"Use this endpoint when an AI agent or RPA bot is about to approve, schedule, or execute a payment and needs a fast pre-payment fraud gate specifically for business email compromise and invoice-fraud vectors. Prefer it over generic email-spam classifiers when you have structured supplier records (domain, IBAN) to compare against, and over manual review when you need a sub-second automated decision. Especially valuable for agentic accounts-payable pipelines where no human reviews each payment.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-21T07:20:41.442Z","isFirstParty":false,"canonicalSlug":"verdict-l402-payee-check-bec-invoice-fraud-guard-cce640e9"}