Trustpair: B2B Payment Fraud Prevention

Trust in a supplier isn't established once, it has to be re-established constantly. This requires layers of defense at all levels. A zero-trust approach verifies all supplier identity and bank account relationships independently at different control points across the invoice lifecycle. That's when supplier information enters systems in the first place, when it changes, as invoices are ingested, and before money moves.

Supplier payment fraud happens when criminals successfully impersonate legitimate suppliers and redirect payments to accounts they control. AI has slashed the cost and effort required to run these scams at scale, letting them create convincing fake emails, documents, and more. Even a genuine invoice can send money to the wrong account. Manual checks leave supplier data exposed. Independent account ownership verification closes this critical gap before payment.

No, Trustpair applies the same account ownership verification to domestic and international suppliers across 190 countries. But having the data is just part of the story. When this is missing, Trustpair increases scrutiny and verification methods to establish real ownership intelligence. Trustpair has a unique edge here in the market because of its advanced risk scoring and decisioning engine. That's how it has maintained a zero-fraud track record over the last decade.

Yes, Trustpair offers 20+ native connectors for various systems including SAP, Oracle, Coupa, Ivalua, Jaggaer, Zycus, Kyriba, Sage, and more. Some connections are fully native, so checks run inside the tools finance teams already use. For more customized requirements, Trustpair follows a system-neutral architecture which lets the web application connect with any procurement, ERP, or treasury systems using standard REST API and SFTP options.

Nacha tightened its rules in 2026. Businesses paying suppliers by ACH in the US must now have documented risk-based processes to prevent fraud. Nacha doesn't tell businesses how to do it, just that they need to do it. Trustpair is a Nacha Preferred Partner, which means its automated account verification is how that obligation gets met, with evidence retained in case of an audit.

Verification of Payee (EU) and Confirmation of Payee (UK) are important, but they only check whether a name matches an account. With 2,700+ payment providers each deciding what counts as a "match," consistency varies widely. We found 20% of providers fell short of our internal fraud prevention standards as some returned a match that should’ve been flagged. These standards only provide basic fraud prevention. Enterprise protection requires a multi-layered, zero-trust approach with continuous monitoring and AI-powered risk scoring.

Bank account ownership (BAO) verification protects businesses from paying the wrong supplier by confirming that an account truly belongs to the intended supplier. It verifies ownership using multiple data sources, control points, and intelligence. This helps prevent supplier fraud and support regulatory compliance. Trustpair automates this process using advanced technology to deliver fast, accurate, and secure verification before payments are made.