Secure Your Entire Procure-to-Pay Process

Automate vendor verification and secure every payment across your P2P chain. Integrate fraud prevention directly into your existing tools.

Fraud Prevention Challenges for P2P Teams

Secure Vendor Onboarding

Fraudsters target the onboarding stage to inject fake or compromised bank accounts. Manual verification processes can’t scale to match the volume of new vendors.

Protect Vendor Master Data

Vendor data changes constantly. Without continuous monitoring, outdated records and silent bank account changes go undetected — leaving your P2P process exposed.

Control Every Payment

Payment campaigns run under time pressure. A single unvalidated vendor or tampered payment file can result in an irreversible wire transfer loss.

source: 2026 Trustpair Fraud Report

Vendor Fraud Prevention: Core Responsibility for P2P

Procure-to-Pay teams sit at the intersection of procurement, finance, and operations — and they are on the front line of vendor fraud. From the moment a new supplier is onboarded to the final payment transfer, every step in the P2P chain carries risk. Effective fraud prevention requires P2P teams to:

Validate vendor bank accounts at onboarding and every time a change is requested
Continuously monitor vendor master data to catch errors, outdated records, and suspicious changes
Control payment files before processing to block any unauthorized or unverified transfer
Maintain full traceability of all checks and decisions for compliance and audit purposes

As the teams accountable for both operational efficiency and financial security, P2P professionals must deploy robust, automated controls that work across all tools and all steps of the chain — without slowing the business down.

Automated Account Validation for a Faster, Safer P2P Process

Automated account validation eliminates the manual bottlenecks that slow P2P teams down while leaving them exposed to fraud. Trustpair secures the entire Procure-to-Pay chain by:

Validating vendor bank accounts on demand and in batch, at onboarding and at every account change
Continuously syncing and monitoring your Vendor Master File to surface anomalies in real time
Controlling payment campaign files before processing to block unvalidated or suspicious vendors
Leveraging banking data, AI-powered algorithms, and human fraud experts for maximum accuracy

Transforming P2P Security and Efficiency with Trustpair

Trustpair gives P2P teams a unified solution to address the full spectrum of fraud and operational risk across the Procure-to-Pay process:

Automated Vendor Validation: Validate vendor bank accounts across 190 countries at onboarding and every time a bank account change is requested — no manual callback required.
Continuous Master Data Monitoring: Automatically sync and screen your entire Vendor Master File, with real-time alerts on any change, anomaly, or risk signal.
Pre-Payment Controls: Validate payment campaign files before they are processed in your TMS, blocking any unvalidated or suspicious vendor automatically.
Efficiency Gains: By automating time-consuming manual controls, Trustpair frees up valuable P2P resources to focus on strategic and higher-value activities.
Compliance and Traceability: Every check, evaluation, and decision is logged — providing complete audit trails that support internal and external compliance requirements.

The Key Benefits of Using Trustpair

0 successful fraud

at any of our 500+ clients

190 countries

covered by our banking data sources

90%

of vendor evaluations delivered instantly

Your fortress against vendor fraud

Experience Seamless Security in Action. Request Your Demo Today !

FAQ

Frequently asked questions

Browse through our different sections and find the answer to your question.

What is Procure-to-Pay (P2P) fraud?

Procure-to-Pay (P2P) fraud refers to any fraudulent activity that exploits vulnerabilities at any stage of the Procure-to-Pay cycle, from vendor onboarding to payment processing. It includes:

Vendor Impersonation: Fraudsters pose as legitimate suppliers to inject fake bank account details during onboarding or account update processes.
Business Email Compromise (BEC): Attackers intercept or spoof vendor emails to request fraudulent bank account changes.
Payment File Tampering: Malicious actors alter payment files before they are processed, redirecting funds to accounts they control.
Vendor Master Data Manipulation: Unauthorized changes to bank account details or vendor records in the ERP or Vendor Master File go undetected due to lack of controls.
Duplicate Invoices and Ghost Vendors: Fraudulent vendors or invoices are created to generate illegitimate outgoing payments.
Internal Fraud: Employees with access to vendor data or payment approval workflows abuse their rights to commit fraud.

Effective P2P fraud prevention requires automated controls at every stage of the chain — not just at payment — combined with full traceability and cross-team collaboration.

How does Trustpair protect P2P teams throughout the entire cycle?

Trustpair is purpose-built around the three critical steps of the Procure-to-Pay process:

At Onboarding: Every new vendor or bank account change request is automatically validated against Trustpair’s global banking data network. Teams get an instant, traceable result they can act on — no manual callback needed.
In the Vendor Master File: Trustpair continuously monitors the entire vendor base, detecting data anomalies, flagging suspicious changes, and enriching records automatically. Your VMF stays clean, accurate, and audit-ready.
Before Payment: Payment campaign files are validated before being processed in the TMS. Any unverified or at-risk vendor is flagged and blocked, preventing funds from reaching fraudulent accounts.

Together, the three stages provide end-to-end coverage across the P2P chain — with all results integrated directly into your existing ERP, S2P, and TMS systems.

What integrations does Trustpair offer for P2P teams?

Trustpair connects seamlessly with the tools P2P teams already use. It offers:

20+ native connectors to leading ERP, Source-to-Pay, and TMS platforms including SAP, Oracle, Kyriba, Coupa, Ivalua, and Workday.
SFTP integration to automate data synchronization and results retrieval.
Public API with webhooks to embed vendor validation directly into custom P2P workflows and receive real-time results.
Batch file imports (CSV/XML) to process entire vendor bases or payment files at scale.
Web application for teams that prefer to manage checks end-to-end through an intuitive interface.

This means P2P teams can embed Trustpair controls at every critical step — without changing existing workflows or tools.

What is a Vendor Master File and why does it need continuous monitoring?

A Vendor Master File (VMF) is the central repository of supplier data within an organization’s ERP or procurement system. It contains essential information including vendor names, addresses, tax identification numbers, and bank account details used to process payments.

Continuous monitoring is essential because:

Vendor data changes constantly — bank account details, company names, addresses, and ownership can change at any time and without notice.
Data decays over time — without regular audits, a VMF quickly accumulates outdated, duplicate, or incorrect records that create payment errors and fraud risk.
Fraudsters target the VMF — unauthorized bank account changes made inside the ERP are a common fraud vector, especially in large organizations with complex approval workflows.
Regulations demand accuracy — e-invoicing mandates and financial compliance requirements increasingly require organizations to maintain up-to-date and verified vendor data.

Trustpair’s Continuous Monitoring automatically syncs with your VMF, screens it in real time, and surfaces any change, anomaly, or risk signal — keeping your data clean and your team in control.

TESTIMONIALS

Voices of trust

Explore how our solutions have empowered businesses like yours  to fortify against fraud and build a resilient financial ecosystem.

Mauro Portela

GBS - Managing Director Global MDM Operations

"Thanks to Trustpair, we've made a significant shift in our security processes and filled the gaps we needed to fill. Trustpair has proved to be a committed and trustful partner and we've appreciated the support and transparency."

Michele Bruno

CFO and Treasurer

"With Trustpair's verification methodology, it's no longer just a consistency check but an exact confirmation of the validity of the third party: There is no longer any risk."

Monika Razny

Treasury and Corporate Finance Manager

"We've gone from manual and time-consuming fraud controls to automated bank account validation done directly in SAP. The workload has been drastically reduced and payment security is now guaranteed."

Malika Benfares

Head of Treasury and Consolidation

"Trustpair protects all the payment chain, reassures employees of their responsibility and makes the managers aware of the risks."

Joffrey Tabouret

Head of Treasury and Financing

"With Trustpair, we are able to automatically and quickly monitor our third parties and ensure the security of that very data over the long term"

Fabrice Meunier

Administrative and Financial Manager

"I would definitely recommend Trustpair to finance departments. It makes adding and modifying beneficiaries more reliable, without resorting to manual processes that are cumbersome, time-consuming and fallible."

Fanny Harquel

Accountability Manager

"The control process is simplified with the Trustpair solution, the Finance Department is reassured and, above all, it no longer needs to waste time performing manual checks to verify a supplier's bank details."

Colin Cesena

Middle Office Treasury Manager

"Trustpair adapts very well to the specifics of our market and our way of working. Several features are developed as we work together. That's a real plus."

Etienne Mechain

Financial Manager

"Trustpair has become more than a reflex; it has become an obligation. The team no longer validates an IBAN unless Trustpair has confirmed it to us."

Patricia Y.

Director, Global Procurement,
Enterprise(> 1000 emp.)

"Trustpair effectively validates bank account ownership for vendors requesting bank changes, which aids in fraud prevention. I also appreciate the coverage that Trustpair provides."

Paweł S.

Master Data Manager,
Enterprise(> 1000 emp.)

"What we value most about Trustpair is its ease of use and ability to provide clear risk insights. It enables us to focus on critical areas, streamline fraud prevention, and maintain compliance worldwide. The platform’s global reach and integration capabilities make it an essential part of our financial security strategy."

Fatiha B.

AP Manager,
Mid-Market (51-1000 emp.)

"An easy-to-use tool, international scope on controls, speed, reliability. A team attentive to clients, responsive and creative."

AJ A.

Master Data Manager,
Enterprise(> 1000 emp.)

"Flawless security, Great Automation and Support."

Claire S.

Supplier Risk and Compliance Analyst

"Ease of use, implementation, features and customer support."

Christian V.

Treasury Manager,
Enterprise(> 1000 emp.)

"The Trustpair solution secures financial transfers, with ease of use and proven efficiency."