Every check shows the risk level (Low, Medium or High) free. The full report, with every reason, finding, source and explanation, is paid.

Does PayOrScam tell me if a company is a scam?

No. We never label a company a scam. We show warning signs and good signs, each with its source, so you can make an informed decision and verify it yourself.

The company on official registers (e.g. Companies House, SEC EDGAR, GLEIF), its directors and owners, sanctions lists, the website's age, hosting and certificates, the email domain, the phone number, bank details, the document's arithmetic and metadata, logos and signatures (reverse image search), regulator warning lists, phishing lists, reviews and news.

Do you store my invoice?

No. Uploaded files are processed in memory and not stored. Images may be held in memory for a few minutes only to run a reverse image search. The resulting report is kept for 30 days and then deleted.

Is a 'Low' risk result a guarantee?

No. Fraudsters copy real invoices and change only the bank details. Always confirm bank details by phone using a number you already trust.

I've already paid a suspicious invoice. What now?

Call your bank immediately and ask them to recall the payment, then report it: in the US to ReportFraud.ftc.gov and the FBI's IC3, in the UK to Action Fraud.

My business appears in a report and something is wrong. What can I do?

Use the Contact & disputes page. We review corrections and fix or remove information that's wrong.

Welcome. In 2025, people reported losing $15.9 billion to scams in the US alone. That is about $43.6 million every day. Source: FTC, 2026

We're here so you're not next. PayOrScam checks the invoice and the company behind it in minutes, so you can stop a scam before you pay.

Before you pay, check it.

Upload an invoice or paste a link, company or email. We check the document and the company behind it, then tell you why it looks risky or genuine.

Fake invoices

Changed bank details

Lookalike companies

Pressure to pay now

📄 Upload invoice (PDF or image)
Click or drop a file

Free: the risk level (Low/Medium/High). Every reason and source: in the full report. Not a guarantee or legal/financial advice. Uploaded files aren't stored. We never call a company a scam; we show warning signs. Privacy · AI disclaimer