Payment Security for Account Takeover (ATO)
Behavioral AI built to stop account takeover attacks targeting email, ERP, and other accounts from turning into costly B2B payment fraud.
ATO Has Moved Beyond Suspicious Logins
With financial losses in the billions each year, account takeover fraud is becoming faster, more convincing, and harder to detect. AI-driven phishing, stolen credentials, and social engineering now allow attackers to access legitimate business accounts using real credentials and normal workflows.
That creates a major blind spot for organizations. At the same time, many of the systems finance teams work in, like ERP, vendor onboarding, and payment systems, lack the context needed to recognize fraud.
It leaves business accounts responsible for moving millions of dollars ripe for ATO attacks.
How Authentication-Centric Security Can Miss Modern Fraud
Many legacy ATO tools focus on login risk, looking for suspicious devices, impossible travel, unusual IPs, or failed authentication attempts. But once access is verified, visibility often drops.
Attackers can then operate through trusted accounts, approved sessions, and legitimate workflows without triggering traditional alerts.
As fraud increasingly happens after login, organizations need more than authentication signals alone to detect malicious behavior.
Attackers now use AI-driven phishing and credential stuffing to test massive volumes of stolen credentials. Combined with how cheap compromised credentials have become, it creates enormous noise for traditional ATO systems.
It’s becoming increasingly difficult to distinguish legitimate users from fraudsters based on login activity alone, especially without real-time fraud detection across every touchpoint.
ERP, vendor, and payment systems were not designed to detect sophisticated account takeover activity, even though they control the company’s money.
Once attackers gain access to a legitimate account, their activity often appears normal inside financial workflows. Even organizations with mature identity and email security can struggle to detect these attacks without behavioral visibility across systems.
That creates a major blind spot for organizations responsible for approving, processing, and moving millions of dollars.
Most organizations still manage security, identity, ERP, and payments in separate systems that rarely communicate with each other. Attackers exploit these gaps, operating through trusted accounts and financial workflows without triggering immediate red flags.
By the time suspicious activity is connected across systems, financial damage may have already occurred.
Detecting The Fraud Traditional ATO Tools Miss
Go Beyond Login Signals
Detect Malicious Activity
Connect Suspicious Accounts
How Trustmi Detects and Eliminates ATO Fraud Before it Strikes
Adaptive Behavioral AI
Unified Account Intelligence
ATO Workflow Integrations
Preventing Fraudulent Payments from Compromised Accounts
$1B+ Fraud Prevented
Blocking fraudulent payments before money moves.
$5B+ Errors Prevented
Stopping costly payment mistakes in real time.
90% Less Manual Review
Reducing investigation and approval workload.
After a phishing-led account takeover caused $2.2M in losses, the company turned to Trustmi to identify fraud hidden inside trusted financial workflows
“They were living in our accounting system and watching our behaviors—we didn’t know they were there.”
Additional Resources
FAQs
Businesses increasingly rely on connected financial systems, vendor platforms, and digital workflows to move money quickly. When attackers gain access to legitimate business accounts, they can operate inside those trusted systems to steal sensitive information, manipulate payments, or commit fraud without immediately raising suspicion.
As AI-driven phishing, stolen credentials, and social engineering make these attacks easier to execute at scale, projected ATO-related losses are expected to reach $17 billion in 2025.
Many traditional ATO tools focus primarily on authentication signals like suspicious logins, devices, or IP addresses. But modern fraud often happens after authentication, inside legitimate accounts and trusted workflows. Trustmi analyzes behavioral activity across financial systems, payment workflows, email, ERP, and vendor environments to identify suspicious activity traditional controls may overlook.
Trustmi uses Adaptive Behavioral AI to continuously analyze patterns of account activity, payment behavior, transaction history, and system interactions in real time. By identifying unusual behavior across connected systems, Trustmi helps organizations detect suspicious activity and payment fraud hidden inside legitimate workflows.
Many traditional ATO detection methods rely on static rules, manual reviews, or isolated authentication signals. Trustmi’s Adaptive Behavioral AI continuously learns how users, systems, and financial workflows normally behave, helping organizations identify subtle behavioral changes tied to compromised account activity.
Yes. While email is a common entry point, account takeover can impact ERP systems, payment platforms, vendor portals, procurement systems, and identity platforms. Attackers increasingly target the systems involved in financial workflows because legitimate account access can be used to manipulate payments or hide suspicious activity.
Trusted by Finance and Security Leaders
"Trustmi provided transparency into our payment process to see where cyberattacks and errors were happening and full protection without changing our workflow."
"Like many businesses today, we've experienced cyber attacks on our payment process, but we didn't realize the extent to which we were at risk until we evaluated Trustmi. Now we're confident we'll be able to avoid future attacks with their platform."
"Trustmi's platform is an important tool for our team. Their Payment Flows module increases our payment cycle security, and our team has also managed to cut down the time for preparing payments reports from half a day to half an hour."
$200 Billion Secured
Protecting businesses globally against socially engineered fraud and errors.
Zero Compromise
Stops fraud without disrupting
legitimate payments.
Trusted by Finance and Security Leaders
“Trustmi provided transparency into our payment process to see where cyberattacks and errors were happening and full protection without changing our workflow."
“Like many businesses today, we’ve experienced cyber attacks on our payment process, but we didn’t realize the extent to which we were at risk until we evaluated Trustmi. Now we’re confident we’ll be able to avoid future attacks with their platform.”
“Trustmi’s platform is an important tool for our team. Their Payment Flows module increases our payment cycle security, and our team has also managed to cut down the time for preparing payments reports from half a day to half an hour.”
“Trustmi provided transparency into our payment process to see where cyberattacks and errors were happening and full protection without changing our workflow."
“Like many businesses today, we’ve experienced cyber attacks on our payment process, but we didn’t realize the extent to which we were at risk until we evaluated Trustmi. Now we’re confident we’ll be able to avoid future attacks with their platform.”
“Trustmi’s platform is an important tool for our team. Their Payment Flows module increases our payment cycle security, and our team has also managed to cut down the time for preparing payments reports from half a day to half an hour.”
$240 Billion Secured
Protecting businesses globally against socially engineered fraud and errors.
Up to 2.5% of Budget Saved
By Eliminating Fraud and Payment Errors
From Hours to Seconds
Manual Process Time Reduced
Behavioral AI-powered security
Protection on day one
10-15x ROI
