PayGuard for finance teams

Every finance leader has the same quiet question:
"How would we even know?"

A fake invoice. A swapped bank account. A vendor email that didn't come from your vendor. PayGuard connects to Microsoft 365 and QuickBooks, reads every invoice as it arrives, and flags risk before payment.

Invoice review Needs review

Vendor Acme Supplies Co.

Amount $48,920.00

Sender billing@acme-supplies.co

Bank account Changed from last invoice

Lookalike domain

Sender uses .co instead of .com — doesn't match known vendor.

Bank account swap

New routing details on an otherwise routine invoice. Verify by phone.

✓

Evidence logged

All signals captured. Your team can review before approving.

Built on and for the systems finance teams already use

Microsoft 365 QuickBooks Xero Amazon Web Services

The problem has changed

Modern invoice fraud doesn't look suspicious.

It hides inside normal AP work: familiar vendors, expected amounts, clean PDFs, polite emails. The attack is usually one tiny detail your team was never designed to catch by hand.

Pattern 01 !

Trusted vendor, wrong domain

A lookalike domain sends an invoice that feels familiar enough to pass a busy review queue.

known: acmesupplies.com

risk: acme-supplies.co

Pattern 02 !

Real vendor, changed bank details

The email comes from a legitimate vendor inbox, but the payment instructions quietly change.

invoice: looks normal

risk: new ACH / wire details

Pattern 03 !

Same invoice, altered destination

Logo, amount, PO, due date all match. Only the destination account is different.

document: legitimate-looking

risk: payment path changed

It is not an AP problem

Your team isn't careless. They're overloaded.

AP teams are trained to move invoices forward, not investigate every hidden signal behind every email, PDF, vendor profile, and payment instruction. Fraudsters know that. They design attacks to pass normal human review.

✓ Match invoice amount to expected work

✓ Confirm the vendor name looks familiar

✓ Clear the queue before month-end

✕ Notice invisible identity and payment anomalies

The cost of late discovery

By the time the real vendor calls, the story is already expensive.

The financial loss is only the first impact. The bigger burden is the investigation, insurance questions, leadership escalation, and the missing evidence trail.

Day 0

Invoice paid

Everything appears normal. Payment is approved through standard AP workflow.

Day 3

Funds move

The receiving account is emptied or routed through layered transfers.

Day 18

Vendor calls

The real vendor asks why payment hasn't arrived. Internal panic begins.

Day 21

Investigation

Teams reconstruct emails, approvals, attachments. Recovery odds drop daily.

Day 30+

Evidence needed

Bank, insurers, auditors, leadership all ask what was checked — and when.

Estimate your exposure

What could fraud cost your business?

Slide to match your team's annual invoice volume — see what could be at stake without PayGuard protection.

Invoices processed per year

7,000

1,000 100,000

Expected fraud incidents / yr

1.7 – 4.2

Avg loss per incident

$110K – $160K

Modeled from ACFE Occupational Fraud (2024), FBI IC3 BEC report, PwC Global Fraud Survey, and AP Association data. Illustrative — not a literal risk calculator.

Potential annual exposure without PayGuard

$184K – $672K

Estimated annual loss range if invoice fraud goes undetected at your current volume.

Want your real numbers? Run a free 14-day assessment on your own invoices.

Start free risk assessment

No credit card M365 + QuickBooks Under 2 minutes

How it fits your workflow

PayGuard runs quietly between your inbox and your books.

Connect Microsoft 365 and QuickBooks once. PayGuard watches what arrives, verifies what changes, and surfaces what matters — before your team approves payment.

Connect in two minutes

Watches every incoming invoice

From the moment it's connected, PayGuard reads each invoice as it arrives and checks it against everything you've paid before.

Surfaces risk before payment

Risk-scored alerts in a clean dashboard. Your team approves, holds, or escalates — every decision logged for audit.

PayGuard requires Microsoft 365 and QuickBooks. If your team runs AP on Google Workspace, Outlook desktop only, Sage, NetSuite, or another stack — PayGuard isn't built for you yet. Tell us what you use; we may add it next. Request your stack →

What changes operationally

From trust-and-pay to verify-before-pay.

Before PayGuard

Manual checks depend on memory and time pressure.
Payment changes look routine and slip through.
Evidence is assembled after something goes wrong.
Recovery odds depend on luck and bank speed.

After PayGuard

Risk signals appear before approval.
Your team knows exactly what deserves review.
Audit evidence is created as work happens.
Fraud is caught before the wire goes out.

Built for trust

Finance teams shouldn't trade safety for visibility.

PayGuard is designed around limited access, clear purpose, and customer control.

Read-only access

PayGuard cannot send, delete, or modify any email in your inbox.

No payment control

PayGuard never moves, holds, blocks, or reverses funds. Detection only.

Purpose-limited

Invoice data is processed for fraud detection and review workflows only.

Your data, your control

Your identifiable business data is never sold, shared, or used for advertising.

Try it on your own inbox

Find out what's been sitting in your AP inbox right now.

Connect Microsoft 365 and QuickBooks in two minutes. PayGuard scans your inbox — read-only — and shows you what fraud signals are already there, unnoticed. The trial is free for 14 days. If you find nothing, you've spent two minutes. If you find something, you'll wish you'd run it sooner.

If you don't finish setup, we'll send you a one-click link to come back when you're ready.

Every finance leader has the same quiet question: "How would we even know?"