Fraud exposure
See How Exposed Your Payments Are to Fraud.
Enter your payment method mix and AP process controls to get a payment risk score, with a breakdown of what's driving it.
No signup. Nothing you enter is stored — the score is calculated in your browser.
Live score preview
Recalculates instantlyPayment risk score appears here
Fill in your payment mix below to start.
What this tool does
A score built from your numbers, not an industry average.
Payment method mix drives most of the risk. Process controls decide how much of that risk actually turns into a loss.
01
Method mix
Scores your actual payment mix
Not a generic industry estimate — the score is weighted by how many of your dollars move through each payment method.
02
Controls
Credits the controls you already run
Matching, approval workflow, and duplicate detection all pull the score down when they are already in place.
03
Breakdown
One score, two visible levers
Payment method risk and process control risk are shown separately, so you know which one to fix first.
04
Flexible
Works at any volume
Enter dollar amounts, not invoice counts — the model scales from a single AP clerk to a multi-entity shared service center.
05
Private
Nothing you enter is stored
No signup, no accounts, no server round-trip for your figures. The score is calculated in your browser.
06
Live
Recalculates instantly
Adjust any input and the score, band, and breakdown update immediately — no submit button, no waiting.
Interactive calculator
Enter your mix and controls. See the score move.
Payment method mix
Process controls
Payment risk score
27 / 100
Low risk
Score breakdown
- Payment method risk
- 0 / 100
- Process control risk
- 69 / 100
- Overall payment risk score
- 27 / 100
Illustrative model weighting payment method mix (60%) and process controls (40%). Validate against your own fraud and audit data before presenting to leadership.
Methodology
A simple model with visible math.
Enter payment mix
Dollar amount paid through checks, ACH, virtual cards, and wire transfers.
Flip on your controls
3-way matching, automated approval workflow, and duplicate invoice detection.
Set manual entry share
How much of your invoice entry is still typed in by hand versus captured automatically.
Read the breakdown
Overall score = 60% payment method risk + 40% process control risk.
Definition
What is a payment risk score?
A payment risk score estimates how exposed an organization is to payment fraud, based on which payment methods it uses and what process controls are in place.
It isn't a score of your vendors or customers. It's a score of your own payment setup, since the biggest fraud exposure usually comes from how payments go out, not who they go to.
Why it matters
Why payment method mix drives most of the risk
Payment fraud overwhelmingly follows the payment method. A business paying mostly by check carries a different risk profile than one paying mostly through ACH or virtual cards, regardless of who the vendor is.
| Payment method | Relative fraud risk |
|---|---|
| Checks | High, Account and routing numbers are exposed on every check |
| Wire transfers | Moderate, Irreversible once sent, a common target for interception |
| ACH transfers | Moderate, Lower than checks but still bank-detail dependent |
| Virtual cards | Low, Single-use numbers limit exposure if intercepted |
Relative fraud exposure by payment method — checks carry the highest risk of the four.
Use cases
What teams use this for
Benchmarking current exposure
Get a starting point before deciding whether to shift payment methods or tighten AP controls.
Making the case for automation
Show leadership a concrete score tied to manual processes, not just a general "we should automate" argument.
Tracking improvement over time
Recalculate after adding a control or shifting payment mix to see the score move.
Who's it for
Built for the people who own the number
Quantifying exposure
You need a defensible number for how exposed the organization is, not just a gut feeling about check usage.
Prioritizing where to invest
The breakdown shows whether payment method or process controls are the bigger lever to pull first.
Owning the controls
Matching, approval routing, and duplicate detection are levers you can act on directly, and this shows their impact.
Benefits
Benefits of tracking your payment risk score
Know exactly where your risk comes from: payment method, process gaps, or both.
Prioritize fixes with confidence instead of guessing which control matters most.
Get a real answer in minutes, no consultant or formal audit needed.
Spot a rising check-usage trend before it turns into bigger exposure.
Works with numbers you already have, no new data collection required.
Recalculate anytime to see if a new control actually moved the needle.
Answers
Payment Risk Score FAQs
Straight answers on how the score works and what it does with your figures.
A payment risk score estimates how exposed an organization is to payment fraud, based on which payment methods it uses and what process controls are in place.
Built by Metafile Information Systems, 45+ years in AP automation and document management for Microsoft Dynamics and Acumatica environments in manufacturing, agriculture, retail, and distribution.
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