What could payment instruction fraud cost your organization?

Estimate the potential financial impact of a misdirected payment.
Adjust the inputs to reflect the payments your organization handles.

Your payment activity

Illustrative example — edit these numbers

Include payments whose instructions are received or updated by email.
$
$
Estimate the percentage of a misdirected payment you might recover.
%
Investigation, legal fees, remediation, and reporting.
$
Payments that carry a fraudulent instruction
Fixed at the industry rate
1 in 1,400 0.071%

Your potential exposure

Illustrative estimate from your inputs and the industry rate of fraudulent payment instructions.

Illustrative annual loss
$1.86M
per year, on average, at 1 in 1,400 payments
Net loss per misdirected payment
$1.3M
Net loss from your largest payment
$17.8M
Incidents a year
1.4

If fraudulent instructions are more common

Fraudulent instructionsIncidents a yearAnnual loss

Reduce your exposure with Basefund

Fraudulent instructions can turn an otherwise legitimate payment into a costly mistake. Basefund helps protect the transaction before money moves by verifying identities, validating bank accounts, and coordinating payment instructions securely—with insurance available for eligible payments up to $15M.

See How Basefund Works →

The data behind the risk

How this estimate works

This calculator multiplies the payments you make each year by an industry rate of fraudulent payment instructions (about 1 in 1,400 payments), then by the net loss of one misdirected payment: its amount, less what you recover, plus your incident costs. The industry rate reflects fraudulent instructions caught before payment in a large sample of verified wires, not a measured rate of successful fraud, so treat the results as an illustration rather than a forecast. Actual outcomes depend on the transaction, controls in place, recoverability of funds, and other circumstances.

Illustrative estimates only. Not a quote, insurance coverage determination, or actuarial prediction. Coverage, if available, is subject to eligibility, policy terms, conditions, and exclusions.