Fintra Feature
Catch payment fraud before the money moves
Payment Risk
Example figures- SCREENED
- 1,204 bills
- this cycle
- FLAGGED
- 17
- held for review
- AT-RISK $
- $96,400
- held before wire
- Second invoice, same number + amount
- duplicate: hold
- Payment > $50,000
- large amount: review
- Brand-new vendor
- new payee: step-up
- Vendor bank account changed
- redirect risk: hold
- Clean, in-pattern payment
- allow
Deterministic signals, explainable every time
Payment fraud detection runs a set of deterministic detectors over each bill before it is paid, and every flag comes with a plain-English reason, not a black-box score. Because the detectors are rule-based, they are reproducible and defensible, which is exactly what you want when you have to explain to a vendor why a payment was held.
- Duplicate invoice: same number and amount seen before
- Large amount: crosses a configurable threshold
- Round-number anomaly: suspiciously even amounts
- New vendor: first payment to this payee
- Velocity: unusual burst of payments
- Bank-account changed: the payout-redirect (BEC) primitive
The payout-redirect signal that stops BEC
Questions people ask
What kinds of payment fraud does Fintra detect?
Duplicate invoices, unusually large amounts, round-number anomalies, first-time vendors, payment velocity bursts, sanctions hits, and, most importantly, vendor bank-account changes that signal a payout redirect.
How is it different from a bank’s fraud check?
A bank sees a transaction; Fintra sees the whole context (the invoice, the vendor history, the approval, and whether the bank details just changed) so it can catch invoice fraud and BEC that a bank’s rails cannot.
Are the detectors explainable?
Yes. Every flag is deterministic and rule-based, and each comes with a plain reason, so a held payment can be explained and defended rather than attributed to an opaque score.
What happens to a flagged payment?
It is held out of the run with its reason and routed for review; it cannot silently proceed. A clean, in-pattern payment is allowed.
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Put a decision, with proof, in front of every action
See how Fintra decides allow / step-up / hold / block per action and writes each verdict to a tamper-evident ledger.