Multiple AI Tools Improve Payment Fraud Interception Rates
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AI-assisted source synthesis · not an independent investigation.
On October 9, 2026, a PYMNTS Intelligence report stated that among companies using more than 3 AI tools to prevent payment fraud, 59% could intercept at least 90% of attacks before losses occurred; among companies not using AI defenses, the figure was 32%. The report was based on a July survey of 150 treasury and finance executives at U.S. companies with annual revenue of at least $100 million. Among AI users, 83% used real-time risk scoring, and 82% used automated document verification. On October 13, a PYMNTS Intelligence and Bottomline report stated that 42% of corporate finance departments had deployed 3 or more AI tools to protect outgoing payments, while 35% still experienced traditional check fraud and 78% faced cumbersome manual reconciliation. Among companies that had not deployed the tools, 58% planned to deploy new detection tools within 12 months; among those that had deployed them, 75% planned to expand security investments. A follow-up report on October 14 stated that among users of AI fraud defenses, 77% believed they were more effective than manual methods, 59% said they could prevent at least 90% of fraud attempts before funds left the company, and 78% scanned emails and text messages for signs of AI generation. An earlier report stated that the 59% figure corresponded to companies using more than 3 tools, while the follow-up report stated that it corresponded to users of AI fraud defenses.
AI-written from reports · updated 6 days ago
Timeline
Follow the reporting to see the different sides of the story.
- PYMNTSPYMNTS Intelligence: AI fraud defense users report higher pre-payment interception rates
A report from PYMNTS Intelligence and Bottomline found that among businesses using AI fraud defense, 77% said it was more effective than manual methods, while 59% said they could stop at least 90% of fraud attempts before funds left the business; the corresponding figure for businesses not using AI tools was 32%. Among AI adopters, 83% use real-time predictive risk scoring, 82% use automated document verification, and 78% scan incoming emails and text messages for signs of AI generation. Among businesses that have not yet adopted AI fraud detection, 58% plan to implement it within the next 12 months.
- PYMNTSPYMNTS: 42% of businesses rely on layered defenses against payment fraud
A report by PYMNTS Intelligence and Bottomline shows that 42% of corporate finance departments use a defense system consisting of 3 or more AI tools to protect outgoing payments. Based on a survey of 150 corporate treasury and finance executives, the report found that 35% of businesses still face traditional check fraud, while 78% contend with cumbersome manual reconciliation. Among businesses that have not adopted such tools, 58% plan to deploy new detection tools within 12 months; among those that have deployed them, 75% plan to expand security investment.
- PYMNTSWhy 42% of Businesses Rely on Layered Defense Systems to Combat Payment Fraud
A report by PYMNTS Intelligence and Bottomline shows that 42% of corporate finance departments deploy three or more AI tools to protect outgoing payments. The survey covered 150 corporate treasury and finance executives. Some 35% of businesses still face traditional check fraud, while 78% contend with cumbersome manual reconciliation. Among businesses that have not adopted such tools, 58% plan to implement new detection tools within 12 months; among those that already use such tools, 75% will increase security investment.
- PYMNTSPYMNTS report: 59% of companies using more than 3 AI tools can stop at least 90% of payment fraud attacks before losses occur
The PYMNTS Intelligence report shows that among companies using more than 3 AI tools to prevent payment fraud, 59% can stop at least 90% of attacks before losses occur; among companies without AI defenses, the figure is 32%. The report is based on a July survey of 150 U.S. corporate treasury and finance executives at companies with annual revenue of at least $100 million. Among AI users, 83% use real-time risk scoring and 82% use automated document verification.
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