Payment and invoice risk

Invoice Fraud Help

Invoice fraud often starts with a hacked mailbox or convincing supplier message. Speed matters, but so does preserving the evidence.

Prepared and reviewed by IT Life-Raft
UK-based IT support and cyber recovery guidance. Last reviewed September 2026.

Act safely first

Do this before changing everything

If money has moved, contact your bank immediately using a known number. Then preserve the email thread, headers, phone numbers and payment details.

Not sure what to do first?

If you've been hacked, start with our step-by-step recovery checklist. It explains what to secure first, how to protect your email and accounts, what evidence to keep, and what to do next.

Recovery checklist

Common searches this helps with

  • invoice fraud help
  • supplier bank details changed
  • paid fake invoice
  • business payment scam
Warning signs

What you may be seeing

Symptom

A supplier asks for new bank details

If this is happening, preserve evidence and move carefully before deleting messages, wiping devices or changing settings from a suspect device.

Symptom

Payment urgency feels unusual

If this is happening, preserve evidence and move carefully before deleting messages, wiping devices or changing settings from a suspect device.

Symptom

The email thread looks normal but something feels off

If this is happening, preserve evidence and move carefully before deleting messages, wiping devices or changing settings from a suspect device.

Symptom

A customer says your invoice details changed

If this is happening, preserve evidence and move carefully before deleting messages, wiping devices or changing settings from a suspect device.

Step-by-step

Recovery route

Keep the order simple: contain the issue, recover control, then strengthen the account or device so the attacker cannot return.

1

Call the bank fraud team immediately.

Record what you changed and keep screenshots or reference numbers where possible.

2

Verify the supplier using a known number.

Record what you changed and keep screenshots or reference numbers where possible.

3

Preserve emails, headers, payment records and messages.

Record what you changed and keep screenshots or reference numbers where possible.

4

Check whether your mailbox or the supplier mailbox was compromised.

Record what you changed and keep screenshots or reference numbers where possible.

5

Report fraud and update internal payment checks.

Record what you changed and keep screenshots or reference numbers where possible.

Business risk

If this affects work, treat it as an incident

Review dual approval, callback procedures, bank-detail change controls and staff training so the same route is not used again.

If money, customer data, Microsoft 365, business email or a website is involved, get advice before wiping evidence or assuming the issue is closed.

Official routes

Useful official guidance

These links help confirm the official recovery route. Use them alongside the checklist, especially when account recovery, fraud reporting or business data may be involved.

Report Fraud invoice scam guidanceNational Crime Agency invoice fraud information

Frequently asked questions

Can a bank reverse an invoice fraud payment?

Sometimes, but speed matters. Contact the bank immediately and ask about recall or fraud recovery.

Should I reply to the same email thread?

No. Use a known phone number or separate trusted route because the thread may be monitored.

Does invoice fraud mean my email was hacked?

Not always. It could be your mailbox, the supplier mailbox or a spoofed message, so both sides should check.

Need help with invoice fraud help?

Tell us what happened, what is affected and whether money, customer data or business systems may be at risk.