Adaptive Payment Security™
Any Account. Anywhere.
The Challenge: The ‘Impossible Triangle’ of Payment Fraud Prevention
In the world of B2B payment security, businesses face an ‘impossible triangle’, needing a bank account validation that is both fast and certain. However, in reality, gaining higher certainty often requires more time and effort, forcing a trade-off.
With our new Adaptive Payment Security Platform, we transform this challenge. Instead of forcing a compromise, we put you in control. Our platform delivers the fastest possible validation, while giving you the flexibility to increase certainty when you need it most. It’s speed, ease, and certainty, adapted to your business needs.
The Adaptive Payment Security platform includes two core services: Quick Check™ and Knox Verify™
How It Works: Intelligent, Risk-Based Validation
Based on PaymentKnox™ for AP, our platform seamlessly integrates into your existing payment workflows, either as a pure SaaS solution on our portal, through automated file transfer, or a full ERP API integration, providing two levels of validation to match your specific needs.
Quick Check™
Rapid, Low-Effort Validation When Speed is Key
Quick Check™ provides a fast & smart in-network validation of bank account ownership by cross-referencing nsKnox’s proprietary global database and extensive partner network. This allows you to rapidly verify account information, requiring no registration by the vendor.
For each transaction, you receive a clear validation level and a detailed summary of matched data points, enabling you to assess the risk associated with processing the payment. With greater accuracy than standard automated checks, Quick Check™ delivers the best available results for routine, low-risk scenarios where speed and simplicity matter most.
Knox Verify™
Highest Certainty Using Proprietary Vendor Verification
When Quick Check™ cannot fully validate an account using our in-network capabilities, or when a transaction involves a high-value payment, Knox Verify™ provides an additional layer of defense. It initiates a comprehensive, unique out-of-network mini-payment transaction to confirm account ownership directly with the supplier’s bank account, extracting authoritative banking data, and dynamically adapting to any bank or country, enabling complete global account validation.
Knox Verify™ is designed to prevent fraud even in complex or sensitive situations. The result is a detailed matrix of matched data and a clear validation level, giving your team the confidence to proceed or escalate as needed.
Community Insights
As part of the nsKnox ecosystem, customers can choose to contribute their anonymized Master Vendor File data to our secure community validation network, unlocking access to the collective knowledge of the secure nsKnox community database. Layering Community Insights on top of Quick Check™ results adds an extra layer of defense against fraud.
Why nsKnox?
Where others stop, our validation continues.
nsKnox is the only provider in the Bank Account Validation industry offering total coverage – we can validate any bank account, anywhere in the world, going far beyond the limitations of in-network-only solutions.
Our new Adaptive Payment Security capabilities deliver fast and accurate validations that require no involvement from your suppliers, thereby removing friction and delays. This is all underpinned by our patented Cooperative Cyber Security™ (CCS) technology, which distributes data across a decentralized network, making it mathematically impossible for fraudsters to compromise your critical payment information.
Want to learn more?
Download the one-pager or contact us to see how Adaptive Payment Security™ can work for you.
FAQs
What does nsKnox do?
nsKnox is a fintech-security company that prevents B2B payment fraud for corporations and banks. We validate any bank account, anywhere in the world, before payments are made, ensuring every dollar goes to the intended recipient, not a fraudster.
nsKnox offers two product families:
PaymentKnox™ for Corporates — protects both outgoing (AP) and incoming (AR) payments for finance teams
PaymentKnox™ for Banks — a fraud protection service banks offer to their corporate clients
What types of payment fraud does nsKnox protect against?
nsKnox protects against every major category of B2B payment fraud, including:
- Business Email Compromise (BEC) – fraudsters impersonating suppliers or executives via hacked or spoofed email
- Deepfake AI attacks – voice and video cloning used to impersonate authorized personnel
- Vendor impersonation – fraudsters pretending to be a supplier to redirect payments
- Social engineering – manipulation of AP staff to change bank account details
- Insider fraud – employees with access to finance or ERP systems making unauthorized changes
- Cyberattacks on ERP systems – direct attacks that alter vendor master data
Example: A fraudster sends an email impersonating a supplier, requesting a bank account change. Without nsKnox, your AP team may process it. With nsKnox, the new account is validated against authoritative banking data before any payment is released – and if it doesn’t check out, the payment is flagged.
Who is nsKnox for?
nsKnox serves organizations from all industries that send or receive B2B payments and want to eliminate fraud risk. This includes:
CFOs and Treasurers seeking to reduce financial risk and ensure compliance
Accounts Payable (AP) teams managing outgoing vendor payments
Accounts Receivable (AR) teams protecting incoming payments
Data Management teams responsible for vendor master data integrity
Banks looking to offer advanced fraud protection to their corporate clients
nsKnox is trusted by leading global brands across industries including manufacturing, financial services, insurance, and technology.
nsKnox is a fintech-security company, enabling corporations and banks to prevent fraud and ensure compliance in B2B Payments. Founded and led by Alon Cohen, Founder & former CEO of CyberArk (NASDAQ: CYBR), nsKnox solutions help organizations avoid significant financial losses, heavy fines, and reputational damage.
Leveraging its patented Cooperative Cyber Security™ (CCS) and groundbreaking Bank Account Certificate™ technology, nsKnox’s solutions detect and prevent finance & ops infrastructure attacks, social engineering, business email compromise (BEC), insider-fraud and other Advanced Persistent Fraud attacks.