Verify
The problemCustomers have no way to check who they are paying.
What the customer seesA scam check they run themselves: a plain-language answer about the payee, before the money moves.
Law firm not fully accreditedQuoted fees 45% below the market rateWebsite cloned from a real law firm 3 days agoPhone number reported at another bankDirector linked to 2 dissolved companiesHigh riskAdvance-fee scam behind a cloned law firm
Stop scams.
Speed up everything else.
Tunic Pay helps you see the full context of every payment before money moves. Protect your customers, prevent losses and empower your operations team.
The gap
Scams live on the other side of the payment.
You know virtually everything about your customer, but almost nothing about who they're paying.
What you see
KYC DetailsCustomer risk profileTransaction MonitoringConfirmation of PayeeDevice Behaviour
Send money
PMPuddleby Motors Ltd20-45-77 · 30614471
£650.00
Watch out for scamsScammers may pretend to be a business or a person you know. Always double check details before sending money.
What you missWith Tunic Pay
Recipient intelligenceCompany, website, phone and account, investigated across 50+ data sources.
Transaction contextWhat is being bought, the price, and what your customer was told.
Shared knowledge graphPhones, accounts and adverts tied to scams at other institutions.
Investigator-grade reasoningWhat a senior investigator would look into, applied to every payment.
Send money
Jane, your £650 payment is at risk
This advert has the hallmarks of a car scam. Here is why:
- The car failed its last safety inspection, which the advert leaves out
- The seller is 240 miles from where the car is registered
- Scam reports for this model have tripled this week
Our products
Act at every moment of a payment.
The same payee intelligence, wherever a scam can be stopped.
Prevent
The problemGeneric warnings get clicked through. Call centres are flooded with alerts.
What the customer seesYour app asks tailored and specific questions; the warning cites the specific facts to break the spell.
Investigate
The problemInvestigators are overwhelmed with volume and false positives.
What the investigator seesEvery lookup, signal and summary is ready when the call starts, so genuine payments are released faster.
Results
Results for our customers
50%reduction in average handling time per case
70%+of payments cancelled after a warning
$100m+of customer funds protected
Feedback
What fraud teams tell us
“Brilliant tool which makes identifying fraud risk more efficient and streamlined.”
“It's very easy for our customers to use and has really helped us clear our queue of good payments.”
“Before using Tunic Pay we had an increase in catch & release. It wasn't good… then suddenly we had 0 catch & release.”
Awards and programmes
- Winner · 2026Best use of AI in Fintech
- Winner · 2026Fintech Start-up of the Year
- Winner · 2026The Future of Fraud: Live Pitch Arena
- Finalist · 2026The Money Awards · Partnership with NatWest
- Silver · 2025The Money Awards · Startup
- Silver · 2026Scam Fighter Awards
- Selected · 2026Start Path Programme
- Winner · 2026Innovation Labs Fraud Programme
- Selected · 2025Fintech Forward Programme
- Selected · 2025Fintech Growth Programme
- Shortlisted · 2026Best Industry Partnership with Lloyds
Where we'll be
Meet the team in person
3 Dec2026
Banking Tech Awards
London Hilton on Park Lane, London. Come and say hello on the night.
18–20 May2027
Fraud Leaders' Summit
Hyatt Regency Mission Bay, San Diego. Join our roundtable or find us all day.
Because A.P.P.* shouldn't mean All Payments Pending.
* A.P.P.: authorised push payment, where a customer is socially engineered into sending money to a scammer.