{"id":11730,"date":"2023-11-23T11:36:51","date_gmt":"2023-11-23T03:36:51","guid":{"rendered":"https:\/\/link4.asia\/my\/?p=11730"},"modified":"2023-11-29T14:41:59","modified_gmt":"2023-11-29T06:41:59","slug":"who-pays-when-an-invoice-is-intercepted-and-bank-details-are-changed","status":"publish","type":"post","link":"https:\/\/link4.asia\/my\/blog\/who-pays-when-an-invoice-is-intercepted-and-bank-details-are-changed\/","title":{"rendered":"Who pays when an invoice is intercepted and bank details are changed?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/link4.asia\/my\/wp-content\/uploads\/sites\/2\/2023\/11\/Blog-Who-pays-1024x576.png\" alt=\"\" class=\"wp-image-11734\" srcset=\"https:\/\/link4.asia\/my\/wp-content\/uploads\/sites\/2\/2023\/11\/Blog-Who-pays-1024x576.png 1024w, https:\/\/link4.asia\/my\/wp-content\/uploads\/sites\/2\/2023\/11\/Blog-Who-pays-300x169.png 300w, https:\/\/link4.asia\/my\/wp-content\/uploads\/sites\/2\/2023\/11\/Blog-Who-pays-768x432.png 768w, https:\/\/link4.asia\/my\/wp-content\/uploads\/sites\/2\/2023\/11\/Blog-Who-pays-1536x864.png 1536w, https:\/\/link4.asia\/my\/wp-content\/uploads\/sites\/2\/2023\/11\/Blog-Who-pays-2048x1152.png 2048w, https:\/\/link4.asia\/my\/wp-content\/uploads\/sites\/2\/2023\/11\/Blog-Who-pays-1920x1080.png 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><em><strong>Scenario:<\/strong><\/em><\/p>\n\n\n\n<p>Supplier A sends an invoice to Customer B via email, but it is intercepted by a fraudster who changes the bank details before it reaches Customer B. Customer B pays the invoice to the fraudster&#8217;s account, thinking it is Supplier A&#8217;s account.<\/p>\n\n\n\n<p>In this scenario, who pays?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Does the Customer need to pay again so the bill is settled with the Supplier?<\/li>\n\n\n\n<li>Does the Supplier write it off as a loss?<\/li>\n\n\n\n<li>Do both sides agree to split the bill and share the pain?<\/li>\n<\/ul>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Reality suggests, this is the Supplier&#8217;s fault. Their email was intercepted. They should have switched to a safer and more secure way to send invoices (e-invoicing) to protect their business as well as their Customer.<\/p>\n\n\n\n<p>However, it can be the Customer&#8217;s fault, too. This is because they are responsible for verifying that the invoice is legitimate before paying it.<\/p>\n\n\n\n<p>As research indicates, in such instances, there are various approaches to <em>who really pays<\/em> which solely depend on each situation:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Supplier might demand the Customer to pay again.<\/li>\n\n\n\n<li>The Customer might demand that their bank repays the funds transferred.<\/li>\n\n\n\n<li>The person who commits invoice fraud (fraudster) is liable for their actions.<\/li>\n\n\n\n<li>The Supplier has a duty to the Customer to ensure that they were not the victim of fraudulent emails.<\/li>\n\n\n\n<li>In an invoice scam, the Customer is typically liable for the intercepted payment.<\/li>\n\n\n\n<li>In some cases, the Supplier may be liable for an intercepted payment if they were negligent in protecting their payment information.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>How can e-invoicing help to prevent invoice interception scams?<\/strong><\/p>\n\n\n\n<p>E-invoicing is a secure way to exchange invoices electronically through the Peppol network &#8211; a more efficient, secure and reliable invoicing process.<\/p>\n\n\n\n<p>E-invoices are verified by the Peppol Access Point before they are sent to the Customer. This verification process ensures that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The invoice is from a legitimate Supplier.<\/li>\n\n\n\n<li>The invoice data is accurate.<\/li>\n<\/ul>\n\n\n\n<p>In turn, this gives the Customer confidence that they are paying the <strong>correct Supplier<\/strong> for the <strong>correct invoice\u00a0amount <\/strong>and that their payment will be processed <strong>securely<\/strong>.<\/p>\n\n\n\n<p>For more insights, read our content piece on <a href=\"https:\/\/www.accountantsdaily.com.au\/technology\/19351-who-pays-when-scammers-redirect-an-invoice?utm_source=Accountants%20Daily&amp;utm_campaign=25_11_23&amp;utm_medium=email&amp;utm_content=2&amp;utm_emailID=5c6ec115345989e7e8039ef01eea58c23be89559627bc44ef616488a34ef3ce9\" target=\"_blank\" rel=\"noopener\">Accountants Daily<\/a>.<\/p>\n\n\n\n<p>Learn more about e-invoicing at&nbsp;<a href=\"https:\/\/link4.asia\/my\">www.linkfor.asia\/my<\/a>.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><em>Footnote: In this article, <\/em><em>\u201ce-invoicing\u201d <\/em><em>is<\/em><em> used interchangeably to refer to electronic invoicing<\/em><em> which is sending an invoice without needing <\/em><em>email and PDFs<\/em><em>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Scenario: Supplier A sends an invoice to Customer B via email, but it is intercepted by a fraudster who changes the bank details before it reaches Customer B. Customer B pays the invoice to the fraudster&#8217;s account, thinking it is&#8230;<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[166],"tags":[],"class_list":["post-11730","post","type-post","status-publish","format-standard","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Who pays when an invoice is intercepted and bank details are changed? - Link4 E-invoicing - Malaysia<\/title>\n<meta name=\"description\" content=\"Scenario: Supplier A sends an invoice to Customer B via email, but it is intercepted by a fraudster who changes the bank details before it reaches\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/link4.asia\/my\/blog\/who-pays-when-an-invoice-is-intercepted-and-bank-details-are-changed\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Who pays when an invoice is intercepted and bank details are changed? 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