Before you pay a new supplier, make sure they are who they say they are.
Verify the bank account, company, VAT and reputation on any UK invoice in around 30 seconds — before your money leaves.
- Bank account holder matches the supplier (Confirmation of Payee)
- Companies House registered, active, no insolvency events
- HMRC VAT number valid and currently registered
- Public reputation across Trustpilot, Google & the web
First check free · 30 seconds · No card needed
Invoice fraud is the fastest-growing threat to UK businesses
A single spoofed invoice, a mid-supply-chain email compromise, a bank-detail change buried in a signature block — and the money is gone. Reversing a UK faster payment after it has settled is close to impossible.
lost to UK payment fraud in 2024. Authorised push payment fraud — the category that includes invoice and mandate scams — makes up a rising share every year.
UK Finance, Annual Fraud Report 2025 →average value of a business authorised push payment fraud case reported to UK banks — per invoice, per attack. Most losses are never recovered.
Action Fraud — mandate fraud →UK SMEs report having been targeted by invoice, mandate or supplier-impersonation fraud in the last two years. Under-reporting is thought to be significant.
UK Finance industry data →Every check answers the four questions that matter
Not a black-box risk score. A plain-English scorecard that tells you exactly what’s true about the supplier on the invoice — and what isn’t.
Is the bank account actually in this company's name?
We run the sort code and account number through Confirmation of Payee — the network your bank uses on every faster payment. If the account holder isn't the supplier, the payment has been diverted or the invoice was never legitimate.
Is this company registered and still trading?
Live cross-check against Companies House: registered name, address, incorporation date, directors, active status, and any insolvency, strike-off or dissolution events.
Is their VAT number valid with HMRC?
Validated against HMRC's live VAT register. A deregistered or fabricated VAT number is one of the fastest, cheapest tells of an invoice-fraud attempt.
Do their public reviews match their claims?
Trustpilot, Google reviews and other public reputation signals aggregated into one score and one link — so you can see at a glance whether the trading history looks real.
Sample scorecard
Acme Roofing Ltd — Invoice #INV-4821
Bank account matches
Full match
Companies House
Active · 12 yrs trading
HMRC VAT
Valid · registered 2013
Reputation
4.7 / 5 · 84 reviews
Details are correct
Every check passed. No red flags.
When something is wrong
Beta Services LLP — Invoice #INV-9127
Bank account matches
No match — account in 'J. Smith'
Companies House
Dissolved Aug 2023
HMRC VAT
Deregistered
Do not pay
Three failed checks. This invoice is almost certainly fraudulent.
Simple, transparent pricing
One check — every signal we can find on the supplier. Buy credits when you need them, no subscription.
Every check includes
Confirmation of Payee
Bank account holder matches the supplier
Companies House
Registered, active, insolvency events flagged
HMRC VAT
VAT number valid & currently registered
Reputation signals
Trustpilot, Google & wider web reviews
Buy check credits
The more you buy, the more you save. No expiry.
Credits never expire. Use them whenever a new invoice lands.
Running invoices through this every day?
Monthly credit subscriptions from £0.70/check. Volume pricing, API access, and invoiced billing for your finance team.
Three steps, under a minute
From invoice landing in inbox to green-light to pay.
Drop in the invoice
Upload the PDF, forward the email, or paste the payment details straight from your finance system.
We check every signal in seconds
Confirmation of Payee, Companies House, HMRC VAT and public reputation — all run in parallel against live UK data sources.
Green means safe, red means stop
Plain-English traffic-light scorecard. Green: pay with confidence. Amber: investigate. Red: don't send the money.
Ready to check your next invoice? First one is free.
Businesses we've helped
Real stories from finance teams and business owners who checked before they paid.
I was about to pay a builder for a kitchen refit. WhoAmIPaying flagged that the bank account didn't match the company name. The invoice had been intercepted. Saved me thousands.
Sarah M.
Ops Manager, design studio, Bristol
A contractor sent an invoice with a VAT number that had been deregistered 6 months ago. We would never have caught that without running a check first.
David K.
Property Manager, Leeds
Our finance team runs every invoice over £2k through it. Caught a mandate-change email that was completely convincing — the bank details led to a shell account.
Priya S.
Finance Director, agency group, London
After nearly paying a spoofed supplier invoice last year, we now run every new supplier through WhoAmIPaying. 30 seconds for total peace of mind.
James P.
Small Business Owner, Edinburgh
Why we built this
whoamipaying? is a UK payment-verification service that cross-checks a supplier’s bank account, company registration, VAT status and public reputation before you transfer money. Jim Fell, our founder, built it after watching too many small businesses lose five- and six-figure sums to authorised push payment fraud — over £1.17 billion was stolen to UK payment fraud in 2024 alone, according to UK Finance. The verification is simple, the data sources are official, and the check runs in the 30 seconds it takes to double-check an invoice before you click Pay.
Read more on the about page or get in touch.
Check your next invoice
From £2.50 a check, takes 30 seconds, and could save your business thousands.
Check a supplier — freeNo subscription. Credits never expire.