Stop invoice payment fraud before money leaves your account.
Lumra helps businesses verify supplier bank details before payment. Start from an unpaid bill in Xero, check the bank details shown on the invoice, and see whether they match the supplier details you already trust.
Call a trusted supplier contact using a known phone number before approving this payment.
Invoice fraud looks routine until the money is gone.
Most payment redirection scams do not look like obvious scams. They often arrive as normal-looking invoices, sometimes inside familiar supplier conversations, with changed bank details hidden in plain sight. Lumra adds a practical verification step before payment so your team can slow down, check the details, and catch risky changes in time.
Payment fraud often appears inside normal accounts payable work, not as a dramatic cyber event.
Finance staff and business owners need a clear answer before payment, not a long security policy.
The most important question is simple: do these bank details match what we already trust?
A simple check before payment approval.
Lumra is designed to fit into the step that matters most: just before money leaves your account. It gives your team a practical way to verify invoice bank details before approving payment.
Start with an unpaid bill in Xero
Select the bill you want to review. Lumra pre-fills the supplier identity details so your team starts with the right context.
Enter the bank details shown on the invoice
Use the invoice itself as the source of truth. Type the bank details in directly, or use the invoice text tools to help pull them out.
See the risk before you pay
Lumra compares the invoice details against the supplier fingerprint on file and highlights what needs attention, including bank changes, missing history, and supplier identity mismatches.
Verify changes properly
If something does not match, Lumra tells your team to stop and verify the change with a trusted supplier contact before payment is approved.
Save the verified fingerprint for next time
Once the new details have been confirmed by callback, Lumra lets your team save the updated fingerprint so future checks are faster and clearer.
Built to support better payment decisions, not add a heavy new process.
Built around the checks that matter before payment.
Lumra focuses on the details that can change a payment outcome: the bank details on the invoice, the supplier identity tied to those details, and whether this payment still looks consistent with what your business already trusts.
Bank detail matching
Checks whether the BSB and account number on the invoice match the supplier fingerprint already on file.
Supplier identity
Highlights ABN and domain mismatches so your team can spot identity issues, not just bank changes.
Risk guidance
Turns technical checks into a clear risk level and practical next steps for the person approving payment.
Audit trail
Keeps a history of scans and verification outcomes so your team can see what was checked, what changed, and when it was verified.
Clearer signals before payment. Better records after it.
Made for owners, bookkeepers and finance teams.
Lumra is for businesses that want a practical control before payment without adding a heavy new process. It helps the person approving the invoice make a better decision with the information already in front of them.
Business owners
Reduce the chance of paying the wrong account when things are busy.
Bookkeepers and finance staff
Add a repeatable check before approving supplier payments.
Growing teams
Build a stronger verification habit as more people become involved in accounts payable.
When something changes, Lumra helps your team respond properly.
If the bank details do not match what is already trusted, Lumra does not ask your team to guess. It tells them to stop, verify the change with a trusted supplier contact, and only save new details after callback verification.
- ✓Stop the payment
- ✓Call a known supplier contact
- ✓Confirm the change outside the invoice or email
- ✓Save the new fingerprint only after trusted verification
Check the next invoice before you approve payment.
Lumra gives your team a simple, practical verification step before money leaves the business.