Verify a Vendor Bank Change Before the Next Payment

If a supplier or contractor emails you new bank details, a muse can run checks on that change before any money moves, give the change a clear, review, or block verdict, and hold it until a named person accepts it.

What it does

One of the most common ways small businesses lose money is simple. An email arrives saying a vendor has changed bank accounts, the next payment goes to the new account, and the money is gone before anyone spots the switch. A checker connector built for this job runs seven checks on a vendor bank account or payee change. It compares the change against what is already on record and returns one of three plain verdicts: clear, review, or block. Nothing about the payment changes while the checks run. The new details stay on hold until a named owner looks at the verdict and accepts the change in person. That pause is the whole point. A fraudulent change survives on speed and routine, and a held change with a named approver breaks both.

How to use it

1. Add the checker connector to your muse and connect the place where your vendor and payment details live.
2. Name the one person who is allowed to accept bank changes. For a one-person business, that person is you, every time.
3. When a change request arrives, do not update anything yourself. Hand the request to the muse and ask it to run the checks.
4. Read the verdict. Clear still gets a quick look from you. Review means something did not line up and needs a phone call on a number you already trust, not a number in the change email. Block means do not pay.
5. Accept or reject the change yourself, and only then let the next payment go out.

What you need

• A muse account with the checker connector added
• Your existing vendor payment records, so the checks have something true to compare against
• One named person who accepts or rejects every bank change
• A trusted phone number for each regular vendor, saved before any change request arrives

What to watch for

• The checks catch mismatches and warning signs, not every possible fraud. A careful fake can still look tidy, so a review verdict still needs the phone call.
• Never accept a change under time pressure. Real vendors can wait a day, and pressure to pay today is itself a warning sign.
• Keep approval on for every payment. The muse checks and holds; you decide where the money goes.