Signal-aggregated risk score
Combine country-, institution- and account-level signals into one beneficiary risk score that is easier to interpret and act on.
Beneficiary risk intelligence
Trust Score. A verified account can still carry risk.
Assess account risk beyond a payee match. Trust Score brings independent pre-payment risk assessment and real-time payee risk scores or signals into your payment decision, alongside Payee Verification.
Trust Score result
Illustrative outputPayee Verification
Match
MatchSelected band
<45
<45Significant
45–85Some risk
>85No major risk
Result
Significant risk identified
Example risk flags
- Negative history
- Frequent returns
No major risk signals have been identified based on the available data.
Signals indicate a higher level of beneficiary risk that may warrant closer review.
Select a band to explore the result
Why Confirmation of Payee isn't enough to stop payment fraud
Payee Verification helps confirm that the account belongs to the intended recipient. But a successful match does not tell you everything about the risk surrounding that beneficiary.
€2.2bn
in credit-transfer fraud losses were reported across the EEA in 2024, with payment service users bearing around 85% of those losses.
A match doesn't tell the whole story
Fraudsters can use legitimate accounts, including mule accounts opened in real names. The payee details may match while other signals suggest greater risk.
Risk signals are fragmented
Useful indicators can sit across jurisdictions, financial institutions, verification activity and account history, making them difficult to assess together at the point of payment.
Faster payments leave less time to react
As payments move faster, there is less opportunity to investigate or recover funds after they have been sent. More of the risk decision needs to happen before payment.
Trust Score brings additional beneficiary risk context into the same pre-payment moment as Payee Verification.
Trust Score
One score. Multiple signals. At the point of verification.
Trust Score brings together multiple independent risk indicators and turns them into actionable intelligence before a payment is sent.
Broader beneficiary context
Bring together indicators across jurisdiction risk, financial institution context, verification activity, account history and payment behaviour without evaluating each source separately.
Built into Payee Verification
Receive Trust Score alongside your Payee Verification result, adding beneficiary risk intelligence without building a separate risk-data integration.
See the level of risk, and what is driving it
Trust Score groups the result into three clear risk levels, giving teams an immediate interpretation of the score:
Significant risk identified
Signals indicate a higher level of beneficiary risk that may warrant closer review.
Some risks identified
Some risk signals are present and may require additional consideration.
No major risk identified
No major risk signals have been identified based on the available data.
Want to add beneficiary risk intelligence to your payment checks?
Talk to our team about how Trust Score could fit into your Payee Verification and fraud decisioning workflow.
Verify the payee. Assess the risk.
Payee Verification and Trust Score provide two complementary layers of information before a payment moves.
Payee Verification
Is this the intended payee?
Confirm that the payee name and account details correspond before funds are sent.
Explore Payee VerificationTrust Score
What risk signals should I know before paying them?
Add broader beneficiary risk intelligence to the verification result, with an actionable score and relevant risk flags.
More context at the point of payment
Use verification and risk intelligence together to give fraud, risk and payment teams more information before deciding how a payment should proceed.
Add risk intelligence where payment decisions happen
Instant payments
Surface beneficiary risk alongside verification when there may be little time to investigate once funds have moved.
Fraud and risk triage
Use Trust Score and its associated risk flags to identify beneficiaries that may warrant additional attention or investigation.
Pre-payment decisioning
Add external beneficiary risk context alongside existing fraud controls, payment rules and internal risk signals before execution.
Risk operations
Give operational teams a clearer view of the factors behind a risk result to help prioritise review and action.
Frequently asked questions
What is IPID’s Trust Score?
IPID’s Trust Score adds beneficiary risk intelligence to Payee Verification. It combines multiple independent risk signals into an actionable score and supporting risk flags that can be surfaced before a payment is sent.
How is Trust Score different from Payee Verification?
Payee Verification checks whether the payee name and account details correspond. Trust Score adds another layer by assessing available risk signals around the beneficiary, financial institution and broader payment context. Payee Verification helps answer “Is this the intended payee?” Trust Score helps answer “What risk signals should I consider before paying them?”
What signals inform Trust Score?
Trust Score combines multiple independent indicators across country, financial institution and account level. Depending on the market and available data, these can include broader jurisdiction and institutional risk indicators, participation and verification activity, account verification history, and negative historical signals such as frequent returns.
What does a Trust Score result include?
The result includes an overall risk score, an interpretation of that score and relevant risk flags. This gives teams both a high-level assessment and additional context on factors that may require attention.
How is Trust Score integrated?
Trust Score works alongside Payee Verification, with the score and associated risk intelligence returned as part of the same verification flow. This allows organizations to add beneficiary risk context without building a separate risk-data integration.
Does Trust Score decide whether a payment should be blocked?
No. Trust Score provides risk intelligence to support decision-making. Organizations determine how different scores and risk indicators are handled based on their own policies, thresholds and risk appetite.
Does Trust Score replace an existing fraud engine?
No. Trust Score is designed to complement existing fraud and risk controls by adding beneficiary risk intelligence at the point of Payee Verification. Your existing fraud systems can continue to apply transaction, customer and behavioural signals specific to your organization.
Where is Trust Score available?
Trust Score is being introduced with European coverage first, with broader geographic rollout planned as the capability expands.
Go beyond the match before funds move
Add beneficiary risk intelligence to Payee Verification and give your teams more context to assess a beneficiary before a payment is sent.
Get started with Trust Score