Stop the scam before your customer sends the money.
In a scam, your customer authorizes the payment themselves, so the controls built for account takeover let it through. Scamnetic tells your team who is really on the other side of a payment, and gives your customers a way to check a suspicious message before they act.
New
Fake delivery texts
“Your package is on hold — confirm your address.”
Rising
“Bank” fraud calls
A caller says your account is at risk and asks you to move money.
Common
Romance-to-investment
A new online match starts talking about a “sure thing” investment.
Scams have outgrown the controls built for fraud.
Losses are landing on your balance sheet.
Consumers reported losing $12.5B to fraud in the US in 2024, up 25% from 2023. As reimbursement expectations grow, more of that loss becomes yours.
The flag is the easy part.
Your monitoring already flags suspicious payments. What happens next is the problem: step-up authentication confirms the customer, not the payee, and every escalation to an analyst costs time your team can’t scale.
Regulators expect you to act before funds leave.
Examiners and new rules, including NACHA’s 2026 requirement to identify mule accounts, put the focus on stopping scam payments, not just recovering from them.
Protection at both ends of the payment.
FOR YOUR CUSTOMERS AND MEMBERS
KnowScam
A white-label app that carries your brand. Customers forward a suspicious text, email or screenshot and get a Scam Score from 1 to 3 with the reasons behind it. Live specialists step in when someone thinks they’re already in a scam, and ongoing education keeps them ahead of new tactics.
FOR YOUR FRAUD AND PAYMENTS TEAMS
PayVerify
Real-time verification of the person, business and bank account behind a payment, across push payments, ACH and wire, crypto and checks. It runs in the background and only asks for action when the risk is real, so flagged payments get resolved without step-up friction or a manual review.
From suspicious message to resolved payment.
A message arrives.
Your customer forwards it to KnowScam and gets a Scam Score and a clear next step before they reply or click.
A payment starts.
PayVerify checks the payee’s identity, business registration and bank account in the background.
Your monitoring flags it.
PayVerify returns a definitive answer, so your team can proceed, override or stop the payment in real time.
Something already went wrong.
Your customer forwards it to KnowScam and gets a Scam Score and a clear next step before they reply or click.
Built for how your institution works.
Community banks
Bring enterprise-grade scam protection to your customers through the digital banking platform you already use. No new fraud team required.
Leads with
KnowScam
Platform integration
Regional banks
Resolve more flagged payments without adding analysts. Protect commercial customers from payment-detail changes driven by business email compromise.
Leads with
PayVerify
Commercial banking
Credit unions
Meet your duty of care to members, especially older and vulnerable members, with protection that carries your brand.
Leads with
KnowScam
Member trust
Neobanks & fintechs
Verify payees in real time without slowing the fast payments your customers expect.
Leads with
PayVerify
Low friction
Lenders
Confirm that loan disbursements and repayments go to accounts that belong to the right person or business.
Leads with
PayVerify
Bank account verification
Commercial banking
Your commercial customers are your most valuable relationships. When a business email compromise attack changes a vendor’s wire or ACH details, the loss may not be yours, but the relationship is. PayVerify confirms the new account belongs to the business before the payment goes out.
The scale of the problem, and what changes with Scamnetic.
FTC Consumer Sentinel 2024
FTC 2024
FBI IC3 2024
[confirm source and method]
[confirm source and method]
CUSTOMER STORY
One bank or credit union result, named or anonymized. [confirm which customer we can feature]
Founding cybersecurity partner of Scam.org (GASA + OpenAI)
SOC 2-aligned, monitored via Vanta [confirm “aligned” vs “compliant”]
Advisors from the U.S. Secret Service and financial-industry fraud leadership
Questions fraud teams ask us
Does this replace our transaction monitoring?
No. Keep the monitoring you have. PayVerify handles what happens after a payment is flagged, with a definitive answer about the payee.
Will it add friction for our customers?
No. Keep the monitoring you have. PayVerify handles what happens after a payment is flagged, with a definitive answer about the payee.
How do we deploy it?
No. Keep the monitoring you have. PayVerify handles what happens after a payment is flagged, with a definitive answer about the payee.
How long does it take to launch?
No. Keep the monitoring you have. PayVerify handles what happens after a payment is flagged, with a definitive answer about the payee.