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Free checker · for finance & CA teams

Did a vendor really change their bank details?

ScamShield AI is a free tool that checks whether a supplier email asking you to change bank details is fraudulent, in seconds, with no signup. Paste the email and it flags business email compromise (BEC) and invoice-redirection red flags before you redirect a rupee. Nothing you paste leaves your browser.

We scan for business email compromise (BEC) and invoice-redirection signals entirely in your browser. Nothing you paste is sent, stored, or logged.

What invoice-redirection (BEC) fraud looks like

How does vendor bank-detail fraud work?

“Our bank details have changed”

The core move: a request to update a vendor's bank or payment details, supplied with a new account number, IFSC or UPI ID, timed near a real invoice or payment run so it looks routine.

A free-webmail or lookalike sender

The mail comes from a Gmail/Outlook/Yahoo address instead of the vendor's business domain, or from a lookalike domain with a swapped or added letter (acme-corp.co vs acmecorp.com) that reads right at a glance.

Urgency and secrecy

“Process before end of day.” “Keep this between us.” The pressure exists for one reason: to stop you picking up the phone and calling the vendor to verify the change.

A hijacked-thread reply

The most convincing version replies inside a genuine email thread from a compromised mailbox. Everything above the change request is real, which is exactly why the change request must be verified out-of-band.

The one check that stops it

How do you verify a vendor’s new bank details?

1

Never change details from the email alone

Treat every bank-detail change as unverified until a person confirms it. The email, however genuine it looks, is never enough on its own.

2

Call back on a number you already hold

Ring the vendor on a phone number from your own records, a past invoice or your master data, never the number in the new email or its signature. Confirm the change verbally.

3

Hold the payment, then report

If anything is off, hold the payment first. Report the attempt on cybercrime.gov.in or call 1930. A held payment can be recovered; a sent one rarely can.

Questions about vendor and supplier invoice fraud

A supplier emailed new bank details. How do I check if it is genuine?

Call the supplier back on a number you already hold, from a past invoice or your master data, and never a number from the new email or its signature. That single call-back defeats almost every version of this fraud. The free checker on this page scans the email for the red flags that usually accompany it: a bank-detail change paired with new account details, a free-webmail sender, and urgency or secrecy language.

Can you tell me for certain whether the email is fraudulent?

No. The checker flags patterns strongly associated with business email compromise, but a clean result is not proof the email is safe. The most convincing version of this fraud arrives inside a genuine email thread from a mailbox the attacker already controls, where everything above the change request is real. Verify any bank-detail change by voice before you pay, regardless of what the checker says.

Is the email I paste sent anywhere?

No. The check runs entirely in your browser. Nothing you paste is sent to a server, stored, or logged.

What is business email compromise (BEC)?

BEC is fraud where someone impersonates a supplier, executive or colleague by email to redirect a payment. In India its most common form is invoice redirection: a known supplier appears to write that their bank account has changed, timed near a real invoice or payment run so it reads as routine. It does not rely on malware. It relies on a busy accounts-payable clerk trusting an email under time pressure.

Screen every vendor email, not just this one.

This free tool checks one email you paste. ScamShield AI watches every email your finance team receives, flagging bank-detail-change requests, lookalike senders and invoice fraud automatically, so a redirected payment is caught before it is approved.

30-day free trial ₹1 verification, auto-refunded Servers in India