---
title: "Verify a Payment-Instruction Change Through a Known Channel"
description: "Do not use new bank details from the request to verify that request. Contact the payee through a known route."
category: "business"
last_verified: 2026-10-04
freshness: green
published: 2026-10-04
canonical_url: https://gratis-ai.pages.dev/articles/verify-a-payment-instruction-change-through-a-known-channel.html
companion_app_url: https://gratis-ai.pages.dev/apps/payment-change-independent-check.html
companion_apps:
  - app_slug: "payment-change-independent-check"
    title: "Check a Payment-Instruction Change"
    url: "https://gratis-ai.pages.dev/apps/payment-change-independent-check.html"
    price: "Free"
  - app_slug: "vendor-payment-change-approval-log"
    title: "Record a Vendor-Change Approval"
    url: "https://gratis-ai.pages.dev/apps/vendor-payment-change-approval-log.html"
    price: "Free"
reading_time_minutes: 3
tags: ["business", "life-admin", "official-source", "local-first", "payment-instruction-change", "business-email-compromise", "vendor-bank-change", "invoice-fraud", "known-phone-number"]
---

# Verify a Payment-Instruction Change Through a Known Channel

Do not use new bank details from the request to verify that request. Contact the payee through a known route.

**The guide is free.** Each Companion App has its own free workflow. Any paid option is listed only for that App.

## Who it's for

Small-business staff who receive a request to change payment instructions or a payee account.

## Companion Apps (2)

### Check a Payment-Instruction Change

- Open the app: https://gratis-ai.pages.dev/apps/payment-change-independent-check.html
- Purpose: Record the independent contact route and approval steps before changing a vendor record.

#### What's free

- Record the independent contact route and approval steps before changing a vendor record.
- Mark checklist items and review the open items.
- Generate a working note from the values you enter.
- Copy, download, or print your note when you choose.
- No account, upload, or payment is required.

#### Optional paid add-on

This App has no paid add-on. The free workflow is the complete listed tool.

### Record a Vendor-Change Approval

- Open the app: https://gratis-ai.pages.dev/apps/vendor-payment-change-approval-log.html
- Purpose: Keep a dated audit note for each verification and approval step.

#### What's free

- Keep a dated audit note for each verification and approval step.
- Add as many entries as you need during the session.
- Generate a working note from the values you enter.
- Copy, download, or print your note when you choose.
- No account, upload, or payment is required.

#### Optional paid add-on

This App has no paid add-on. The free workflow is the complete listed tool.

## Sources & verification

- Tool: GratisAI browser-local organizer (no AI, account, or upload)
- Primary source: https://www.ic3.gov/PSA/2020/PSA200406 — checked 2026-10-04
- Last verification: 2026-10-04 (green)

## Use it

- Interactive guide: https://gratis-ai.pages.dev/articles/verify-a-payment-instruction-change-through-a-known-channel.html
- Check a Payment-Instruction Change: https://gratis-ai.pages.dev/apps/payment-change-independent-check.html
- Record a Vendor-Change Approval: https://gratis-ai.pages.dev/apps/vendor-payment-change-approval-log.html
- This machine-readable mirror: /mirrors/verify-a-payment-instruction-change-through-a-known-channel.md

*Generated free at https://gratis-ai.pages.dev/articles/verify-a-payment-instruction-change-through-a-known-channel.html — every guide on GratisAI is a complete, working tool. $0, no account, no card, anywhere.*