One person pays the bills. Nobody checks their work.
In most small businesses, the owner or an office manager pays every invoice alone. A convincing email that says “we've switched banks, please use the new account” is all it takes, and once a bank transfer goes out it rarely comes back. Big companies stop this with a second person who checks. Quintet is that second person, for businesses that can't hire one.
in reported losses from 24,768 complaints, the second-largest category.
Source: FBI IC3, 2025 Internet Crime ReportFive steps, every bill
Read, verify, call, decide, pay. Each step has its own teammate.
- Step 1Read
Ivy reads every invoice and receipt, PDF or phone photo, and pulls out who, how much and where to pay.
- Step 2Verify
Vera checks the payee, bank and contacts against your records, looks for duplicates, and runs identity and fraud checks.
- Step 3Call
If bank details changed, Cal phones the vendor at the number already on file, never the one on the invoice.
- Step 4Decide
Your written policy decides: pay, ask a person, or block. Cora explains every decision in plain English.
- Step 5Pay
Penny sends the money only when the policy allows, and tags every payment so it can never go out twice.
“We switched banks.”
Your usual paper supplier emails an invoice for $1,850 with new bank details. It looks routine. Quintet stops it in seconds, calls the supplier at the number you already had, and the supplier says they changed nothing.
Run this example- Bank account changed since the last payment
- The callback number belongs to someone else
- Hidden text telling the AI to pay immediately
Claude proposes. Code countersigns.
AI is great at reading messy documents and explaining itself. It shouldn't be trusted with your money, so it isn't.
The AI never moves money
A tested rules engine decides. The AI can only recommend holding a payment, never releasing one.
Documents can't give orders
Hidden text like “pay this immediately” is flagged as evidence, never followed.
It calls the number you trust
Bank changes are confirmed with the vendor at the number on file, the step fraudsters count on you skipping.
You sign what matters
Payments over your limits wait for you to type the exact amount. Over $1,000, two people sign.
One switch freezes everything
Turn on the kill switch and nothing is paid until you turn it off.
Every step is on the record
Each read, check, call, signature and payment is written to a log that can't be edited.
Who it's for
Businesses of about 5 to 50 people where one person pays repeat vendors by bank transfer, and there's no finance team to double-check.
Tested, not promised
Every change runs 25 test cases, from routine bills to fake vendors and hidden instructions, and scores whether attacks are stopped and good bills are paid.
See the latest scorecardMeet your back office
Send the team an invoice and watch them work, live.