A pentest of the payment process

We try to steal your money before someone else does.

A lookalike vendor, a synthetic voice, an urgent bank change. We run the fraud the way a real crew would, stop at the exact moment the money would have left, and hand the CFO a scored result and a fix list.

No payment rails touchedResults in 48 hoursFixed-fee entry: $9,500
PAYMENT RUN · FRI 15:47Pending release
$186,420.00
PayeeBramblecote Aggregates
Bank (vendor master)•••• 4471 → •••• 9032
Requested by[email protected]
WIRE HELD

Sample scenario with fictional companies.

The problem

Your callback control has never been tested by someone trying to beat it.

Mid-market finance teams move real money with two to eight people. IT may phish the staff. Nobody tests the money-movement process end to end and reports it in dollars and minutes.

$3.05BBusiness email compromise losses reported to the FBI in 2025, across 24,768 complaints.Source: FBI IC3 2025
79%of organizations hit by attempted or actual payments fraud. BEC was the top channel (63%).Source: AFP 2025 survey
45%reported vendor-impostor fraud, up 11 points. That is why our entry test impersonates a vendor.Source: AFP 2025 survey
$25.6Mlost by Arup after an employee joined a video call where the CFO and colleagues were AI-generated.Source: CNN via ABC17

The insurance gap lands on the CFO

Social-engineering coverage is often sublimited at $50k to $250k, and carriers increasingly make a callback to a previously known number a condition of coverage. The loss above the sublimit is yours. So is the loss if the callback was skipped.

Sources: Amwins · Insurance Business

The attack got cheap. The control did not change.

Real-time voice cloning is a commodity tool. Meanwhile 69% of finance teams still rely on manual checks such as callbacks. A callback to the number in the email is not a control. It is part of the attack.

Sources: SoftwareSeni · Trustpair survey via Programs.com (secondary compilation; directional)

Try it: 30 seconds

Spot the lookalike.

Your AP inbox gets a remittance update from a vendor you pay every month. One of these senders is real. Click the ones you would trust.

Five rounds. Fictional vendor names. Real crews register domains like these days before the attack.

Round 1 / 50 correct

Try the full drill
The solution

Awareness platforms test your people. We test whether your money can leave.

01 · The drill

A real attack on one process

A lookalike vendor thread, a synthetic voicemail, and a live adaptive caller, aimed at a bank-detail change and a payment release. Operator-monitored, with a kill switch.

02 · The stop point

Ends before money moves

The drill stops when money would have left: bank details entered, payment released for approval, or the callback skipped. No payment rails are touched. A sponsor event logger timestamps every stage.

03 · The result

A scorecard a board can read

Twelve controls, split honestly into Observed in drill and Evidenced by client. A point-in-time Drill Results Statement, and a "Remediated and Retested" statement only after a passing retest.

How it works

Six steps from signature to debrief.

The Baseline Wire Test runs on one entity, uses a synthetic vendor voice (no executive likeness needed) and is scoped to client-designated test vendors.

Lookalike emailbank change Voicemailfake CFO, urgent Live calladaptive pressure Controls: reply-to check · callback on file · dual approvaleach one is scored only where there is evidence STOP POINTmoney would have left. nothing moves. debrief within 48 hours

Intake and rules of engagement

A named sponsor, client-designated test vendors, an IT allowlisting runbook, and a third-party protocol with a 24/7 hotline.

Recon from public information

AI-drafted, operator-reviewed. No credentials, no intrusion.

Campaign plan

Fixed playbooks such as "Vendor bank change, Friday afternoon". Windows spread across the week; one operator monitors at most 3 to 4 calls.

Execution

Lookalike domain from a pre-warmed pool and a synthetic voice, plus any attacker tactic you authorize in the rules of engagement, including caller-ID simulation of your own numbers. Every technique is pre-approved.

Stop point

Ends when money would have left. Email blocked by your filter is scored as a control that passed.

Debrief in 48 hours

With the CFO, plus an HR welfare-debrief template for targeted staff. Results are never used for discipline.

Exposure snapshot

What is one skipped callback worth to you?

An illustrative expected-loss estimate. It anchors the conversation; it is not an actuarial model. The full 12-control version lives in the Wire Room scorecard.

Expected annual loss
-
illustrative
Uninsured share
-
above your sublimit
Chance of ≥1 loss / yr
-
illustrative
One loss, uninsured
-
per event

Assumptions: attempts per year scale with revenue band and industry; a single attempt succeeds 1% to 32% of the time depending on control maturity; severity is about 1.25x a typical large payment. Anchors: IC3 2025 (~$123k average BEC complaint), Amwins (sublimits). All coefficients are our assumptions.

Pricing

Start with one fixed-fee test.

The Baseline Wire Test fee is credited against Year 1 if you convert to an annual plan. Configure a plan →

Annual

Core

$24k / yr
  • 1 entity
  • Drill, retest, 2 spot checks
  • Drill Results Statement
Annual

Growth

$24k + $7k / extra entity
  • 2+ entities
  • Same cadence per entity
  • Cloning upsell with consent
Year 3+

Enterprise

from $90k / yr
  • ~10 entities, scoped
  • Operator-run video drill
  • After SOC 2 Type II
FAQ

What a CFO asks first.

Do you ever move real money?
No. The drill stops when money would have left: a bank-detail change entered, a payment released for approval, or a callback skipped. No payment rails are touched. A sponsor event logger timestamps each stage, and only stages with evidence are scored.
Will you clone my executives' voices?
Not in the entry test. The Baseline Wire Test uses a synthetic vendor voice. Executive cloning is an opt-in upsell under a written, BIPA-grade release, with the voice sample recorded at consent rather than scraped.
Could a bad result hurt us at insurance renewal?
It could, which is why findings can route through your counsel if you choose (privilege is not guaranteed; counsel decides). We issue a point-in-time Drill Results Statement, and a "Remediated and Retested" statement only after a passing retest. No insurer-facing document goes out unless you ask for it.
Will an insurer give us a premium credit for this?
We do not know yet, and we will not claim it. Our searches found no carrier that has said it will credit third-party testing. Asking underwriters directly is part of our launch plan.
What about our real vendors and our employees?
You designate the test vendors and pre-notify them with a short "authorized test" letter. A 24/7 hotline is on the rules of engagement. Targeted staff get an HR welfare debrief, and drill results are never used for discipline.
Do you simulate caller ID or record calls?
Yes, when you authorize it. Caller-ID simulation of your own numbers (CEO, CFO, HQ line) is available when you name them in the rules of engagement and verify them with our telephony provider; a vendor's number only with that vendor's written consent. Otherwise we use a lookalike number and the "new cell, I'm traveling" pretext real crews use. Every technique is explained to your board or authorizing executives and signed off first. No recording by default; structured transcripts only, unless counsel approves recording for that state.
How is this different from phishing simulation?
Phishing platforms test whether people click. We test one process, money movement, end to end: the bank change, the release, the callback and the escalation. Then we report it in controls, minutes and dollars.
Concept stage

Play the drill your AP team would face.

Four minutes in the Wire Room. If the wire leaves, you will see exactly where, and what control would have held it.

Enter the Wire Room Ask about a Baseline Wire Test