PayRailGuard

PayRailGuard is a web app (with optional mobile approvals) that prevents the most common B2B payment loss: vendor bank-detail change fraud and invoice redirection. It plugs into your AP workflow and flags risky changes (new bank account, new beneficiary, unusual country, mismatched tax IDs, sudden email domain shifts) before an ACH/wire is released. The product enforces a “verified change” process: multi-person approval, out-of-band verification steps, and an audit trail that satisfies finance leadership and auditors. It also maintains a vendor identity profile with historical payment rails and known-good accounts, so legitimate changes are fast while suspicious ones get slowed down. This is a combination traditional + AI app: AI helps classify risky change requests and detect lookalike domains, but the core value is policy enforcement and verification workflows. Realistically, this wins by reducing preventable losses and tightening controls without replacing your ERP.