$2.9B
in business email compromise losses reported to the FBI in 2023 alone — up 58% since 2020.
PayBeacon verifies every vendor bank-detail change, new vendor, and urgent payment request across your client book — through channels you already trust — and keeps tamper-evident proof of every verification. One console, every client, every rail.
AI writes replies inside hijacked threads — the real address, the real context, perfect tone.
Seconds of audio clone a client's voice — live, interactive, able to answer your questions.
Deepfake meetings put the "CFO" on screen. $25M has already been wired to one.
Pixel-perfect invoices, W-9s, and bank letters on demand — and whole synthetic vendors behind them.
When content, voices, faces, and paperwork can all be manufactured, authenticity can't be judged by how a request looks or sounds. PayBeacon verifies provenance instead — channels established before the request existed, and a one-time code no clone can answer.
Every change is confirmed through a contact on file — never a number or address supplied by the request itself. PayBeacon holds the known-good record and runs the chase.
The vendor or client confirms the change from their verified channel, on the record, with a one-time code no cloned voice can answer.
No single person — however senior, however urgent the request — moves a payment change alone. Staff get a policy to stand behind instead of a boss's voice to defy.
Each verification produces a tamper-evident record, per client — ready for your E&O renewal, your clients' insurers, auditors, and the worst Tuesday of the year.
In build now. Works alongside whatever your clients pay from — Bill.com, Melio, Ramp, bank portals — because the verification happens before any rail is touched. 2–3 design-partner slots open for early access: free for 90 days in exchange for weekly feedback.
Illustrative preview of the firm console in build — cases flow in from email intake or manual entry, and nothing is marked payable until the protocol completes.
Alongside the build, we're interviewing firms that run client AP for the October benchmark: how peer firms verify payment changes, what their E&O applications ask, and where the gaps cluster. Fifteen minutes, no pitch — participating firms get the findings first, with their own answers mapped against the peer set.
Vendor bank-detail changes, new-vendor setups, and "urgent" payment instructions reach firms over 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? What happens when the client says it's urgent and the protocol is inconvenient?
When the E&O renewal, a client's insurer, or a dispute asks for proof a change was verified — what can the firm actually show?
Deepak Krishnamurthy — 20 years building financial-services platforms and distributed systems, including engineering leadership across regulated financial infrastructure. PayBeacon began with a 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 in build now — carefully, because a verification product must hold itself to the standard it sells.
Early access: 90 days free, full console, weekly feedback loop, founding-firm pricing after. Or start with 15 minutes for the research benchmark — every participating firm gets the findings.