$3B
lost to fake-email payment fraud in 2025 alone, according to the FBI. The worst year on record.
PayBeacon confirms every payment change with the real person before money moves — automatically, with proof of every check. AI made these scams cheap. Firms your size are now targets.
AI writes replies inside hijacked email threads — real address, real context, perfect tone.
A few seconds of audio is enough to clone a client's voice — one that talks back and answers your questions.
Deepfake meetings put the "CFO" on screen. $25M has already been wired to one.
Perfect fake invoices, W-9s, and bank letters — even entire fake vendors.
If anything can be faked, you can't trust how a request looks or sounds. So PayBeacon checks something a fraudster can't fake: where the request came from. Every change is confirmed through contact details saved before the request ever arrived.
Every change is confirmed using contact details already on file — never a number or email supplied by the request itself. PayBeacon keeps those records and does the follow-up for you.
The vendor or client approves the change from their own verified email or phone, with a one-time code no cloned voice can answer.
No one moves a payment change alone — no matter how senior the requester or how urgent the request. Your staff get a policy to point to instead of a boss's voice to defy.
Every check creates a record that can't be quietly edited later, filed per client. Ready for your insurance renewal, your clients' insurers, and auditors.
In build now. PayBeacon works alongside whatever your clients pay from — Bill.com, Melio, Ramp, or bank portals — because the check happens before any payment is sent. 2–3 early-access slots open: free for 90 days in exchange for weekly feedback.
A preview of the console we're building. Requests come in by email or manual entry. Nothing is marked safe to pay until every check is done.
While we build, we're interviewing firms that handle payments for clients. The result is a benchmark report in October: how firms verify payment changes, what errors & omissions (E&O) insurance applications ask, and where firms are most exposed. It takes 15 minutes and there's no pitch. Every firm that takes part gets the findings first, with their own answers compared against their peers.
Bank-detail changes, new-vendor setups, and "urgent" payment requests reach firms by email, phone, and portals — the exact channels AI can now imitate perfectly.
Who calls whom, using which number — the one in the email, or the one on file? And what happens when the client says it's urgent and the process is inconvenient?
When your E&O renewal, a client's insurer, or a dispute asks for proof that a change was verified — what can your firm actually show?
Deepak Krishnamurthy has spent 20 years building financial systems, including leading engineering teams in regulated finance. PayBeacon started with a simple question: when a firm moves money for thirty clients, what actually stands between a convincing fake email and a six-figure wire?
The answer is being built now — carefully, because a product that verifies payments has to be trustworthy itself.
Early access is 90 days free with the full console, in exchange for weekly feedback. Founding firms keep discounted pricing after. Or start with 15 minutes for the research benchmark — every firm that takes part gets the findings.