Payment & invoice fraud controls for construction & trades
Stop invoice and payment fraud before funds leave your account.
For UK construction & trades teams on Microsoft 365 + Xero.
Critical · Bank mismatch detected
Apex Groundworks Ltd
accounts@yourfirm.co.uk · Invoice payment request
Verified payee
Sort 20-00-00 · •••• 5678
Detected on email
Sort 40-11-22 · •••• 7766
Verification required: confirm bank details via the trusted phone number on file before authorising payment.
Monitors AP mailboxes, checks payments against verified Xero payees, and flags fraud before you pay.Fiducio monitors AP mailboxes on Microsoft 365, compares invoices and payment requests against verified payees in Xero, and flags bank-detail changes, impersonation, and other fraud signals before you pay.
30-day evaluation · then from £99/month ex VAT
- Microsoft 365 AP mailboxes
- Xero verified payee baseline
Critical · Bank mismatch detected
Apex Groundworks Ltd
accounts@yourfirm.co.uk · Invoice payment request
Verified payee
Sort 20-00-00 · •••• 5678
Detected on email
Sort 40-11-22 · •••• 7766
Verification required: confirm bank details via the trusted phone number on file before authorising payment.
£10k–£50k+
Typical exposure per diverted supplier payment
30 days
Full-platform evaluation before subscription
End-to-end
Audit trail from detection through verification
The risk
Invoice fraud targets accounts payable
A legitimate supplier name, a plausible invoice, and updated bank details — or an impersonated sender using the same pattern. Finance processes payment as usual. Funds are diverted before the error is discovered.
AP mailbox monitoring
Continuous oversight of selected accounts payable mailboxes — invoices, bank-detail changes, and payment requests.
Verified payee comparison
Incoming bank details are checked against sort code and account numbers held on verified Xero payee records.
Controlled verification
High-risk cases enter a structured workflow with clear signals, not opaque scores — before funds are released.
Why trust Fiducio
Connect with confidence
Fiducio is built to sit alongside your finance systems without taking control of them. Here is exactly what we can — and cannot — do.
No bank access, ever
Fiducio never connects to your bank and never sees banking logins. We cannot move money.
Only the mailboxes you choose
We read the accounts payable mailboxes you connect — never your whole tenant.
Read-only supplier baseline
Xero access is read-only, used to check payments against payees you have verified.
You decide — we just flag
Fiducio warns your team before payment. It never auto-approves or blocks payments.
UK registered company
Sentra Cyber Fraud Ltd, company no. 17312812, registered in the United Kingdom.
Security you can review first
Read our security statement, privacy policy, and DPA before you connect anything.
Read our security & access statement · Verify us on Companies House
Deployment
Operational in three stages
A focused rollout for finance teams — connect integrations, establish baselines, and begin monitored oversight without a lengthy implementation programme.
Connect Microsoft 365 and Xero
Authorise least-privilege access to selected AP mailboxes and import supplier payee records from Xero.
Establish verified payee baselines
Mark key suppliers and payees verified with sort code, account number, and a trusted callback number on file.
Monitor, detect, and verify
Fiducio flags bank-detail mismatches, opens risk cases, and records decisions in a full audit trail.
Scope
Purpose-built payment oversight
Fiducio complements your existing Microsoft 365 and accounting controls — it does not replace them.
Fiducio provides
- Invoice and payment fraud monitoring for construction and trades SMEs
- Bank-detail changes, impersonation, and mandate fraud detection
- Explainable risk signals for finance review
- Verification workflow and audit trail before payment
Fiducio is not
- Generic antivirus, spam filtering, or phishing protection
- A substitute for Microsoft 365 security controls
- Payment processing or access to your banking systems
- An opaque risk score without actionable detail
FAQ
Frequently asked questions
- What does Fiducio validate?
- Whether bank details on an incoming invoice or payment email match the verified payee record you already hold — the primary control against invoice and payment fraud in construction and trades.
- How is this different from Microsoft 365 security?
- Microsoft filters spam and malware. Fiducio is a payment oversight layer for AP teams — purpose-built for invoice and bank-detail fraud in construction and trades.
- What is involved in deployment?
- Most organisations connect M365 and Xero, verify key payees, and nominate AP mailboxes within a single working session. Guided onboarding is available on request.
- What types of fraud does Fiducio cover?
- Invoice fraud, bank-detail change scams, supplier impersonation, mandate fraud, duplicate invoices, and suspicious payment requests — not just misplaced subcontractor payments. Fiducio focuses on AP email where construction and trades SMEs actually receive payment instructions.
- How is Fiducio priced?
- From £99/month ex VAT for one monitored mailbox, with a 30-day evaluation period. Additional mailboxes are tiered — see pricing for detail.
Get started
Begin your 30-day evaluation
Full platform access. Connect Microsoft 365 and Xero, nominate AP mailboxes, and establish verified payee controls before your next high-value supplier payment.
£99/month after evaluation · ex VAT · cancel anytime