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 is Adaptive Payment Security™?
Adaptive Payment Security™ is nsKnox’s global bank account validation platform. It solves the “impossible triangle” of payment security – the trade-off between speed, ease, and certainty – by delivering all three, tailored to each transaction’s risk level.
It includes two core validation services:
- Quick Check™ – fast in-network validation for routine payments
- Knox Verify™ – high-certainty out-of-network validation for high-value or complex transactions
What's the difference between Quick Check™ and Knox Verify™?
They are two levels of validation designed for different risk scenarios:
Quick Check™:
- Fast validation using nsKnox’s proprietary global database and partner network
- No vendor registration or supplier involvement needed
- Best for: routine payments, supplier onboarding screening and bank account changes.
Knox Verify™:
- Highest-certainty validation via a direct out-of-network mini-transaction to the supplier’s bank
- Extracts authoritative data from the banking system itself
- Works for any bank account, in any country
- Best for: high-value payments, flagged accounts, or any case where Quick Check™ cannot fully confirm
- Example: Validating a new $2M wire transfer to an overseas supplier before first payment
Both return a clear validation level and a detailed summary of matched data points.
Can nsKnox validate accounts in any country?
Yes. nsKnox is the only provider offering complete global coverage for bank account validation. This is possible because:
- Quick Check™ draws on nsKnox’s extensive global database and partner network
- Knox Verify™ goes beyond any network, executing a direct validation with the supplier’s bank – in any country, with any banking system
Competitors are limited to accounts within their partner network. If a payee isn’t in the network, they cannot validate it. nsKnox can.
What is Community Insights?
Community Insights is an optional layer available within Adaptive Payment Security™. Customers who choose to contribute anonymized data from their vendor master files to the secure nsKnox community network gain access to the collective validation intelligence of the entire nsKnox customer base.
This adds an extra layer of confidence on top of Quick Check™ results – particularly useful for making an educated decision based on the Quick Check™ results and the number of customers already successfully paying to that particular supplier.
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.