Secure B2B Payments, Backed by a $2M Indemnification Warranty
PaymentWorks authenticates Payees and bank accounts before a payment executes — and if fraud still gets through, our ACH warranty indemnifies you up to $2M.
Send B2B payments with confidence
The trusted infrastructure for secure B2B payments, relied on by AP and Procurement teams.
Encryption Doesn’t Indemnify You. PaymentWorks Does.
Moving payments to electronic rails makes them faster, not automatically secure. ACH and wire fraud keep rising because most payment methods have no built-in way to confirm the bank account on file actually belongs to the vendor submitting it — and if a payment lands in the wrong account, your organization absorbs the loss.
Secure B2B payments take more than encryption in transit. They require verifying the payee before the payment sends, and real financial protection if something still slips through.
How PaymentWorks Secure B2B Payments Works
From the account on file to the funds leaving your bank — every payment runs through the same trust layer.
Every payment executes against a single authenticated Payee Profile — not a bank field sitting untouched in your ERP since the day it was entered.
Before an ACH payment sends, PaymentWorks confirms the receiving account actually belongs to the payee — not just that the routing and account numbers are formatted correctly.
Any update to banking details — a new account, a new remit-to address — triggers the same authentication a new payee goes through, before the next payment executes.
Payments that clear PaymentWorks’ verification are backed by up to $2M in ACH fraud indemnification — included for every customer, no add-ons, no fine print.
PaymentWorks ensures that payments made to vendors are secure and virtually risk-free. The added control of vetting vendor information is something we did not previously do and has enhanced our overall system of internal control.
You Won’t Find Indemnification Like This Anywhere Else in the Market
$2M Included, No Hidden Terms
The $2M ACH indemnification is automatic for every customer sending payments through PaymentWorks — no extra fee, no exclusions buried in fine print, no fight to get covered when it matters.
Up to $5M With Supplemental Coverage
Optional Supplemental Social Engineering Fraud Insurance, available through Lockton Companies, extends protection up to $5M in total coverage per fraud event.
Recognized by Chubb as a Preferred Loss-Prevention Provider
Only 1 in 5 organizations that experience payment fraud ever recover any of the lost funds (2025 AFP Payments Fraud and Control Survey) — PaymentWorks’ warranty removes that gamble entirely.
We authenticate the payee and indemnify the payment. You just hit send.
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Encryption protects a payment in transit, but it doesn’t verify who’s on the other end. A secure B2B payment requires confirming that the bank account receiving funds actually belongs to the payee before the payment executes — which is what PaymentWorks verifies on every ACH payment processed through the platform.