Fake bank details look like a real invoice. The agents spot them before the payment.
In brief
A fake change of bank details looks like a real invoice: same supplier, same amount, a different account. ITHA sets up AI agents that compare each invoice with the purchase order, the delivery and your past payments. If anything does not match, the payment waits for your decision. For a firm that receives at least twenty supplier invoices a month.
Your printer’s invoice, from the email to the phone call
Received inOutlookChecked withXeroSharePointHubSpot
Examples of software. Access, possible actions and your subscription are confirmed in the feasibility check, before work starts. Software names and logos belong to their owners. No partnership is implied.
Your printer
ABN •• ••• ••• •••
Supplier since 2024
Tax invoice INV-0412
03/10/2026
To: your firm · order PO-2291
Description
Amount
Seminar brochures, 2,400 copies
9,177.27
Finishing and delivery
2,168.18
GST
1,134.55
Total inc GST$12,480.00
Payment by EFT
BSB •••-••• · Acct •••• 1162
Your printer$12,480.00On hold
Example · fictional data.
Changed bank details, from the email to the call.
Today, the invoice arrives by email, your bookkeeper enters it, the payment goes out. The purchase order is in your accounting software, the delivery docket in a shared folder, past payments in your accounts. Each app sees its part; before each payment, nobody has time to match it all.
$166.8 million lost to payment redirection scams in Australia in 2025, in the reports collected by the National Anti-Scam Centre.
Invoice, order, past payments: three places. Before each payment, nobody has time to match it all.
$166.8m
lost to payment redirection scams in Australia in 2025.
Here is the same invoice, with the agents. An AI agent reads your documents, runs the checks and prepares the work, then hands it to you.
Your printer
Invoice INV-0412 · new bank details
The email
Received inOutlook
Your printer sends its invoice and new bank details. The agent reads the email as it arrives.
Outlook
Thursday 08/10/2026 · 08:04
YPFromYour printer
Usual address, known since 2024
Invoice INV-0412 · new bank details
Hello, please find attached our invoice INV-0412 for the seminar brochures.
Please note our new bank account for this payment.
Kind regards, Accounts team
INV-0412.pdfnew-bank-details.pdfInvoice for a real order
The email is calm and plausible: that is how payment redirection works.
Please note our new bank account for this payment.
Example · fictional data
Invoice for a real order
Your printer
ABN •• ••• ••• •••
Supplier since 2024
Tax invoice INV-0412
03/10/2026
To: your firm · order PO-2291
Description
Amount
Seminar brochures, 2,400 copies
Matches
9,177.27
Finishing and delivery
2,168.18
GST
1,134.55
Total inc GSTMatches$12,480.00
Payment by EFT
BSB •••-••• · Acct •••• 1162
Example · fictional data.
The records
Checked withXeroSharePoint
The agent opens what your bookkeeper would look for in three places: the purchase order, the signed delivery docket, your past payments.
XeroAccounts
Bills · October
Your printer
12,480.00
Your caterer
3,912.40
Invoice INV-0412: $12,480.00 inc GST
Matches order PO-2291
SharePoint
Delivery docket of 01/10/2026, signed: 2,400 brochures
Matches
Checked withXero
The agent reads the order, the delivery and your past payments. Everything matches except the bank account: the only discrepancy in the file.
Usual account · Acct •••• 5571
7payments since March 2024
On file since 2024
Account on the invoice: BSB •••-•••Acct •••• 1162
0payments to this account
CheckNever seen
An account not used in any of the seven payments since 2024.
Order, delivery, amountMatch
This new account0 of 7 payments
The only discrepancy in the file: bank details never seen.
Example · fictional data
Bank and agent
Checked withXeroSharePointHubSpot
Your bank may check the account name against the BSB and account number. The agent also checks your past payments, the contract and the number to call.Your bank may check the account name. The agent also checks your past payments and the contract.
Your bank, at the time of payment
The account name, where Confirmation of Payee is offered.
The agent, before the payment
XeroPayments
BSB •••-••• · Acct •••• 1162never paid
SharePointContracts
Supplier agreement · your printer
Cl. 7.: confirm by phone Any change of bank details must be confirmed in writing and by phone.
HubSpotSuppliers
Contact
Accounts team
Phone
(02) 5550 1940
The agent takes the number from your supplier records, never from the email.
Confirmation of Payee, rolled out by banks from July 2025: Confirmation of Payee, from July 2025: Australian Banking Association.
The outcome
Checked withHubSpotXero
The file is put on hold. The agent has prepared the call: three questions, on the number in your supplier records. At 09:30, you call.
Your printer$12,480.00On hold
$12,480.00 awaiting your decision.
Call to the supplier · (02) 5550 1940
Supplier agreement, cl. 7. Agreed rule: any new bank details are confirmed by phone, on the number on file.
1Have you changed your bank details?
2Did the 08:04 email come from you?
3Which account should invoice INV-0412 be paid into?
Three questions prepared, number taken from your supplier records.
09:30, your printer09:30 · you call the number on file
“We haven’t changed banks.”
$12,480.00 on hold, never paid out.
Example · fictional data
On hold
This account has never been paid. Rule: clause 7 of the supplier agreement.
Paid unchecked
Decision pending
On hold
Decision recorded at 09:34: payment to the usual account (Acct •••• 5571). Alerts to your bank and to your printer: drafted, for you to send.
What stays with you: calling, deciding, sending the alert to your bank.
Your printer’s invoice, from the email to the call to the supplier. Example · fictional data.
What the software does not do
What the software does not do
Your accounting software records the bill. It does not read the contract, look up the right number or call anyone.
A short delivery, an invoice sent twice.
The same agent flags two quieter losses than fraud: a delivery invoiced in full, the same work invoiced twice.
Your furniture supplier · $8,400 ex GST
Document
Meeting chairs
Amount
Order PO-2307
30× $280 ex GST
$8,400 ex GST
Delivery docket of 22/09/2026, signed
26received
Invoice INV-1186
30invoiced
$8,400 ex GST
Difference
4 invoiced, not delivered
$1,120 ex GST
Check30 chairs invoiced, 26 delivered: $1,120 ex GST too much.
Decision pending
$1,120 ex GST
too much from your furniture supplier: 30 chairs invoiced, 26 delivered.
$1,120 ex GST invoiced without delivery.
Agreed rule: pay only for what is received.
Dispute it, ask for a credit note
Accept
Pay for what was delivered, after the credit note
Example · fictional data.
See the full document
Credit note request, drafted
“Invoice INV-1186 is disputed: 4 chairs invoiced but not delivered (delivery docket of 22/09/2026, signed for 26). Please send us a credit note for $1,120 ex GST.”
Your accounting software can turn the purchase order into a bill. The signed delivery docket, on paper or in a photo, it does not see.
Your cleaning contractor · $1,980.00 inc GST
Invoice INV-2207, received 02/09/2026: office cleaning for August, $1,980.00 inc GST. Paid 09/09.
Invoice INV-2231, received 23/09/2026: office cleaning for August, $1,980.00 inc GST.
Same work, same month, same amount: only the number has changed.
CheckAugust cleaning invoiced twice.
INV-2207, paid 09/09$1,980.00
INV-2231, awaiting payment$1,980.00
To query:$1,980.00
Decision pending
$1,980.00
invoiced twice by your cleaning contractor: the same month, two invoice numbers.
The same $1,980.00, invoiced twice.
Agreed rule: one piece of work, one payment.
Send the query
Approve the invoice
Example · fictional data.
See the full document
Invoice INV-2207, received 02/09/2026: office cleaning for August, $1,980.00 inc GST. Paid 09/09.
Invoice INV-2231, received 23/09/2026: office cleaning for August, $1,980.00 inc GST.
Same work, same month, same amount: only the number has changed.
How it was found
Each new bill is compared with the same supplier’s bills of the last twelve months: work, period, amount.
Query drafted (extract)
“Invoice INV-2231 covers office cleaning for August, already invoiced under INV-2207 and paid on 09/09/2026. Could you confirm it was sent in error, or tell us what work it covers?”
Agreed rule: any query about money goes through you.
Your accounting software checks the bill it is given. The same work under a new invoice number looks like a new bill.
What the agent does on its own is up to you.
One level per action. Runs on its own: the agent acts within what you have allowed, sends nothing, and it is logged. You decide: it prepares, your team reviews and decides. Never alone: it prepares, a person acts, and the setting is locked. Paying and recording new bank details are always set to Never alone.Paying and recording new bank details stay with you, always.
Runs on its own: the agent acts within what you have allowed, sends nothing, and it is logged. You decide: it prepares, your team reviews and decides. Never alone: it prepares, a person acts, and the setting is locked.
Invoices and payments
Drafting a reminder for a promised credit noteRuns on its own
Matching each bill to its order and delivery docketRuns on its own
Disputing an invoice, with the reasonYour furniture supplierYou decide
Querying an invoice sent twiceYour cleaning contractorYou decide
Paying an invoiceYour printerNever alone, setting lockedNever alone
Recording new bank detailsYour printerNever alone, setting lockedNever alone
Runs on its own: within what you have allowed. Illustrative screen.
What your software already does is not redone.
XeroBank reconciliation and invoice reminders.
$Your bankThe account name check, where Confirmation of Payee is offered.
Examples, depending on your subscriptions. Software names and logos belong to their owners. No partnership is implied.
Not useful yetFor a firm that receives fewer than twenty supplier invoices a month.
Questions
Before you hand over your invoices.
What if my software already does it?
Then ITHA does not redo it. The feasibility check notes what your software already does; the agent takes only the rest, starting with the discrepancies.
Xero: bank reconciliation and invoice reminders.
$Your bank: the account name check, where Confirmation of Payee is offered.
Examples of software. Access, possible actions and your subscription are confirmed in the feasibility check, before work starts. Software names and logos belong to their owners. No partnership is implied.
ITHA is not useful yet for a firm that receives fewer than twenty supplier invoices a month.
Can an agent pay an invoice for me?
No. It checks the bill and, if anything does not match, keeps the file on hold. The agent is given no access to make payments: the payment goes out from your bank, approved by a person in your firm.
Does the agent need access to our bank account?
No. It reads the bills, supplier details and payments recorded in your accounting software, with your consent. Bank feed data is not available in every package; your bank account itself stays with your team.
