Most business money lost to fraud is not stolen by breaking in. It is sent, willingly, to the wrong bank account — after an email that looked exactly right asked to "update our payment details". Vendor impersonation and business email compromise now account for the majority of payment-fraud attempts, and most companies that lose money never get 75% of it back.

Payment Gate is a deterministic payment-control system, not a fraud detector. Before any unusual payment you run it through the Gate: it scores the exact controls the FBI names for business email compromise, keeps a Vendor Vault of who each supplier really is, and diffs a new invoice against the last one to catch a changed bank account before you send a cent. It never claims a payment is "safe" — it tells you whether the required verification procedure is complete, and exactly which steps remain.

Everything runs on your device — vendor details and payment data never leave it. Keep as many vendors as you need, add a two-person release with a printable verification certificate, and check any invoice change field by field. Every field is optional; nothing that doesn't apply to you can ever block a payment.