Paying for a service
Service payments — consultants, freelancers, subscriptions, agencies — are easy targets for invoice fraud and impersonation.
Have you received an invoice?
If yes, upload it — we'll fill in the bank details for you.
Either way you only enter information we don't already have.
In 2025, over £1.2 billion was stolen by fraudsters in the UK, according to UK Finance. Verify before you pay.
What we check
4 checks across the UK's most-trusted data sources, run in under 30 seconds.
Confirmation of Payee
Bank account matches the payee name
Companies House
Company registered & active
VAT verification
VAT number valid
Seller Reviews
Reputation on Google, Trustpilot & more
Verify the bank account is in the name of the company you're actually engaging. If you're paying a new supplier for the first time, run the checks before you transfer anything.
Tips before you transfer
Run CoP + Companies House on new suppliers
A first invoice from a new supplier should always be verified. Account name + company status takes less than a minute.
Use card payments where you can
Section 75 / chargeback rights on card transactions over £100 are significantly stronger than bank-transfer recovery.
Watch for payment-details changes on existing suppliers
If a regular supplier sends a 'we've changed banks' email, call them directly to confirm. Mid-relationship swaps are the easiest fraud vector to miss.
Check the VAT number if listed
Most legitimate UK service providers have a VAT number you can validate against HMRC. Enhanced checks do this automatically.
Common scam patterns
- Impersonator email from a 'known supplier' with new bank details
- Phantom invoice for a service you didn't engage
- Subscription auto-renewal at a wildly inflated rate after a small trial
- Freelance disappearance after up-front payment
Frequently asked
- How do I check if a seller on A service is genuine?
- Run the bank account they've given you through Confirmation of Payee — a mismatch between the account holder name and the seller is the strongest fraud signal you'll get. If they're trading as a company, cross-check the number against Companies House and confirm any VAT number with HMRC. All three checks run in under a minute at whoamipaying?.
- What are the biggest scams on A service?
- Impersonator email from a 'known supplier' with new bank details. Phantom invoice for a service you didn't engage These patterns show up on almost every UK marketplace — the platform-specific twist is usually how the seller pressures you off-platform or asks for direct bank transfer.
- Is it safe to pay by bank transfer on A service?
- Bank transfer offers no built-in buyer protection — once the money's sent it's rarely recoverable, even if fraud is proven later. If you have to use it, verify the payee bank account matches the seller's name first. For higher-value items, use a card or an escrow service so Section 75 / chargeback rights apply.
- What should I do if I've already paid a scammer?
- Contact your bank immediately to attempt a recall on the transfer, then report the fraud to Action Fraud (0300 123 2040 or actionfraud.police.uk) and to the platform. The faster you act, the higher the chance your bank can freeze the funds under the Contingent Reimbursement Model.
- Does whoamipaying? cost anything to try?
- The first check is £2.50 with no account required. Multi-check packs bring the cost down to £1.43 per check, and business accounts get volume rates from around £0.70. There's no subscription — you top up when you need to.
Related reading
Verify before you transfer
Enter the bank details from the invoice and we'll show you what we can verify in seconds. No account needed to pay.
Start a checkWant more? Read related articles on our blog