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Verdict L402 – Payee Check (BEC / Invoice Fraud Guard)
x402
Verdict L402 – Payee Check (BEC / Invoice Fraud Guard) is a paid API for AI agents from verdict.kechlab.com, paid per call via x402, $0.05/call, status unknown (last checked 2026-10-21).
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.
Price / call$0.05
Success—
StatusUnknown
How this service works
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.
Output
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.
Example use cases
Accounts-payable bot safeguard
“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.”
Urgent after-hours payment request
“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.”
New vendor IBAN registration
“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.”
Technical details
Endpoint
POSThttps://verdict.kechlab.com/v1/payee-check?utm_source=zero.xyzWhen to prefer
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.
Side effects
- 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
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| body | string | the email body |
| sender | string | (optional) sender address |
| subject | string | (optional) email subject |
| known_supplier | object | (optional but recommended) { name, domain, iban } from your supplier record |
Tags
x402
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