10000app #0035 · PMF prior 87/100 · 90 days + 150 qualified visits + real case reuse before expansion

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Build a payment-change gate around a contact channel that did not come from the request itself. Record only an alias and account last four, keep payment paused, and require a second decision before an authorized human acts.

Build the verification policy 核对依据

Free · browser-only

Independent callback + approval policy

Team approval path Vendor alias Requested change Request arrived through Callback contact source New account last four Independent callback result Role reached Second-person decision Payment state Proposed final decision

Current gateSTOP · independent source required

Independent channelNo

Open gates0

Policy sequence

Open findings

The tool does not authenticate the caller or account. If funds moved or fraud is suspected, contact the financial institution immediately through an independently obtained channel and use the incident process.

Financial-safety boundary: no output verifies account ownership, approves a payment, guarantees fraud prevention, contacts a bank or stores a full bank/routing number. Use only an alias and last four. Authorized people and the financial institution make real decisions.

Paid · one case

$9 Minimal-Data Case Record

Generate an auditable Markdown record for this payment-change review: trusted contact source, callback result, second decision, unresolved gates, final human action and incident escalation. It is process evidence—not account verification.

Independent contact-source and callback record
Second-person approval or single-person escalation
Payment-hold and conflicting-decision checks
Incident, bank-contact and correction trail

unlocked · secure-payment-fraud only

生成当前方案

Source ledger

Current official BEC and small-business guidance

PMF prior 87/100 · 90 days + 150 qualified visits + real case reuse before expansion

FBI · Business Email CompromiseUse a phone number found independently—not one supplied by a suspicious request—and verify changes in account or payment procedures.IC3 · Business Email CompromiseUse secondary channels or two-factor verification for requests to change account information.IC3 · 2025 Annual ReportBEC targets businesses and individuals working with suppliers or performing transfers; impact evidence does not prove this product's demand.FTC · Scams and your small businessFake invoices and impersonation target business payment workflows; clear internal purchase and invoice procedures matter.

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