Payment Diversion Fraud Protection for UK Conveyancers

Verify before
the money
moves.

We verify the parties, the documents, and the bank details on every completion, before the money moves. You upload once, we make a recorded call with the account holder, and you get a signed report you can file and defend.

Bank Checkaccount registered to the right party
Forensicspayslips, proof of funds, ID
Deepfakeidentity and media screen
Signedanyone can verify a report
The problem

A diverted payment is gone the moment it lands.

Fraudsters intercept bank details between two trusted parties and redirect a completion, a deposit, or a source-of-funds transfer to an account they control. Cifas reported 143 cases worth £11.7m in a single year, with an average loss around £78,000 per case. Your firm should not have to hope the details on the letter you received are the details you pay.

01

Bank Account Verification

We check the receiving account against bank records and confirm it is registered to the seller or buyer you are paying. Payment-diversion fraudsters edit bank details mid-transaction; a confirmed account closes that door.

AB
02

Document Forensics

We examine payslips, proof of funds, ID, and source-of-funds documents for tampering, altered metadata, and signs of manipulation. A second pair of forensic eyes before you rely on the numbers.

03

Identity and Deepfake Screen

Identity documents and captured media are screened for synthetic content and AI generation, so a fabricated passport or a deepfake video cannot pass for real on your matter.

04

Recorded Confirmation Call

We call the account holder, confirm the bank details in their own words, and record the call. The recording is bound to the matter file.

Process

Four steps. Checked before completion.

submit.sh
1curl -X POST https://api.immutis.com/v1/matters \
2 -H "X-API-Key: immutis_..." \
3 -F "firm=adams_co" \
4 -F "matter=MN-2026-0418" \
5 -F "files=@proof_of_funds.pdf"
6 
7# Matter MN-2026-0418 created
8# Upload link issued
9# Files encrypted at rest
10# Checks queued
Ready
The proof

What your firm receives on every matter.

Every matter becomes a signed verification report: one document you can file, show your insurer, and defend. Every field is part of a signed record anyone can inspect and verify independently.

Verification Report #1842

Matter MN-2026-0418

PASS
Submitted12 Aug 2026, 14:32:08
Bank accountCONFIRMED
Account holderMatches beneficiary
DocumentsPASS
Identity screenPASS
Confirmation callRECORDED
Report signedVerified
Hash

a84f7b1c9e3d5f2a6b8c0d4e7f9a1b3c5d7e9f0a2b4c6d8e0f1a3b5c7d9e0f2 a84f7b1c9e3d5f2a6b8c0d4e7f9a1b3c5d7e9f0a2b4c6d8e0f1a3b5c7d9e0f2a8

Generated by ImmutisVerify: immutis.com/verify?id=MN-2026-0418

Self-contained verification

The report contains everything needed to verify authenticity independently, against Immutis' published key. Share it with your lender, your client, or your insurer.

Built for the matter file

One signed report per matter, with every check timestamped and the confirmation call recording attached. File it and move on.

Tamper-evident by design

Change one field and the signature no longer matches. The report proves exactly what was verified, when.

Bound to matter, parties, and time

Firm, matter reference, parties, and timestamps are recorded at verification and signed into the report.

Built for completion speed

Verified in time
for completion.

Checks run inside your completion window, not around it. Files are encrypted in transit and at rest, UK and EU data residency, and every report is signed with a key anyone can verify against.

<2 days
Typical turnaround
ES256
Report signing
UK / EU
Data residency
Verification pipelineReady
Bank account verification
Bank records
~2 min
Document forensics
Files + metadata
~5 min
Identity / deepfake screen
ID + media
~5 min
Confirmation call
Human, recorded
~30 min
Signed report
Ready to file
Immediate
Public verification
Anyone, anytime
Free
The numbers

The cost of not
verifying.

Figures from Cifas, UK Finance, and industry analyses. Sources available on request.

£0k
Average loss per payment-diversion case
£0.0m
Reported losses in one year, 143 cases
0%
Of fake payslips pass a visual check
£0k
Maximum PSR reimbursement per APP scam
Integrations

Fits the workflow you
already run

No new platform to learn. Upload through a secure link, or connect via API. The checks run alongside your case management, AML, and client account processes.

Completion
Payment checks
Proof of funds
Document forensics
Payslips
Document forensics
ID documents
Identity screen
Source of funds
Document forensics
Confirmation call
Human, recorded
Lender panels
Panel requirements
PII insurers
Evidence on file
AML checks
KYC workflow
CQS
Conveyancing Quality
Client accounts
SRA accounts rules
Case management
Works alongside
Security

Evidence you
can defend.

We verify the documents and the accounts, record what we find, and sign the result. Built for your professional indemnity insurer, your compliance team, and a dispute that may arrive years later.

SHA-256ES256TLS 1.3AES-256UK GDPRISO 27001

Signed reports

Every report is signed with our ES256 key. Anyone can verify it against our published key, free, with no account.

End-to-end encryption

AES-256 for data at rest. TLS 1.3 for data in transit. Signed hashes prevent undetected modification.

Signed audit trail

Every check, call, and verification is logged to a signed record that cannot be altered.

Firm-isolated records

Each firm's matters are separated at the database level. Access is limited to your firm and your team members.

Developers

Verify in minutes, not months

Run the checks from your case management system. Upload the matter file once, get a signed report before completion, and keep the evidence on file.

REST API

POST /v1/matters. Create a matter, run checks, fetch the report.

Deterministic

Signed reports. Deterministic and verifiable.

Fast

Checks complete inside your completion window.

Usage-based

Pay per completion. No minimums, no platform fee.

curl -X POST https://api.immutis.com/v1/verify \
-H "X-API-Key: immutis_..." \
-F "report_id=MN-2026-0418"
# Response:
# {
# "verified": true,
# "report_id": "MN-2026-0418",
# "matter": "MN-2026-0418",
# "bank_account": "confirmed",
# "documents": "pass",
# "confirmation_call": "recorded"
# }
FAQ

Frequently asked questions

What conveyancing and compliance teams ask before running their first check.

Payment diversion fraud is when a fraudster intercepts bank details in a property transaction and gets money sent to an account they control instead of the intended recipient. In conveyancing it usually starts with a compromised email account, followed by a message that looks like it comes from the seller's solicitor, the buyer, or their bank, carrying new or corrected payment details. The request is urgent, the account looks genuine, and the funds are often unrecoverable by the time the error is spotted.

Cifas reported 143 cases worth £11.7m in a single year, with an average loss around £78,000 per case. The risk concentrates at completion, when the largest sums move between buyer, seller, solicitor, and lender. The fraud works because both parties assume the bank details they hold are the correct ones.

Not on its own. Confirmation of Payee is a best-effort name and account match made when a payment is sent, and it does not cover every bank. It cannot review the documents or the people behind the transaction. Immutis confirms the receiving account is registered to the party you are paying, runs forensics on the documents, screens identity and media for AI generation, and records the account holder confirming the details before funds move.

Confirm the receiving account is registered to the party you are paying, review the documents behind the money for tampering, screen identity and media for AI generation, and confirm the exact bank details with the account holder directly. Immutis runs all four and produces one signed verification report per matter, so the checks are documented and repeatable.

You see exactly what failed and why, in the signed report. There are no obscured verdicts. Most firms treat a fail or a flag as a stop-and-question point on the matter before completion, not a block.

The Law Society's Conveyancing Quality Scheme expects accredited firms to have fraud prevention controls in place, and the SRA expects firms to have adequate systems and controls to protect client money. A signed, timestamped verification record shows what you checked, when, and how. It is evidence of a control, not a guarantee, and it sits on the matter file ready for audit.

£99 per verification with no commitment, £299 a month for up to five verifications, or £499 a month for up to twenty with £99 top-ups beyond that. Every price includes all four checks and the signed report.

Run it on
your own files

Run one check on one matter, or book a demo to see it on yours.