Supplier identity
GreenLegal name and RFC matched.
PaidDirect
Pre-Wire Risk Review
Supplier payment instruction and document consistency dashboard
Amber
Additional confirmation recommended before wiring.
Payment guidance
Proceed after confirmation
Supplier identity and RFC appear consistent across the reviewed documents, and the CLABE format appears valid. Bank proof was not provided, so the beneficiary account holder name and CLABE are not independently supported.
Required next action
Before wiring, request bank proof showing:
- Account holder legal name
- CLABE
- Bank name
- Recent issue date
- Confirmation that bank details have not recently changed
Case summary
- Client
- Northstar Home Goods LLC
- Supplier
- Manufacturas del Norte S.A. de C.V.
- Invoice / Proforma
- INV-2038
- Payment amount
- USD $42,500
- Payment type
- 30% deposit
- Country
- Mexico
Review snapshot
Beneficiary match
AmberSimilar name, not bank-supported.
CLABE structure
GreenFormat appears structurally valid.
Bank proof
RedAccount support not provided.
Invoice / PO
GreenAmount and terms aligned.
Email risk
GreenNo obvious spoofing indicators.
Evidence reviewed
Invoice
Reviewed
CSF/CIF
Reviewed
PO
Reviewed
Payment instructions
Reviewed
Email thread
Reviewed
Bank proof
Missing
PaidDirect provides document and payment-instruction consistency review. This report is not a guarantee of supplier legitimacy, bank-account ownership, supplier performance, customs compliance, or fund recovery.
PaidDirect Pre-Wire Risk Review
Full payment readiness scorecard
Page 2
Weighted review areas supporting the front-page payment decision.
| Review area | Weight | Result | Finding |
|---|---|---|---|
| Supplier identity consistency | 20% | Green | Legal name and RFC matched supplied documents |
| Beneficiary name match | 20% | Amber | Beneficiary name is similar but not independently supported |
| CLABE / bank detail structure | 15% | Green | CLABE format appears structurally valid |
| Bank proof / account support | 15% | Red | No bank proof was provided |
| Invoice / PO consistency | 15% | Green | Amount and payment terms matched supplied PO |
| Changed bank-detail risk | 10% | Amber | Prior use of payment details not confirmed |
| Email / spoofing indicators | 5% | Green | No obvious spoofing indicators found in supplied thread |
PaidDirect Pre-Wire Risk Review
Evidence reviewed
Page 3
The checklist records which supplied transaction artifacts informed this review and which evidence gaps remain at the deposit stage.
| Document | Status | Notes |
|---|---|---|
| Proforma invoice | Reviewed | INV-2038 dated 20 May 2026 |
| Payment instructions | Reviewed | CLABE and beneficiary supplied |
| Constancia de Situacion Fiscal / CIF | Reviewed | Supplier tax identity supplied |
| Purchase order | Reviewed | PO-7192 supplied |
| Bank proof | Missing | Needed before stronger confidence |
| Email thread | Reviewed | No obvious spoofing indicators found |
| Packing list | Not provided | Not expected at deposit stage |
| Bill of lading / waybill | Not provided | Not expected at deposit stage |
| Pedimento / Carta Porte | Not provided | Not expected at deposit stage |
PaidDirect Pre-Wire Risk Review
Detailed findings
Page 4
Supplier identity review
GreenNo material inconsistency foundThe supplier legal name and RFC appear consistent across the invoice and tax identity document supplied for review.
Payment instruction review
AmberAdditional confirmation recommendedThe CLABE structure appears valid. However, PaidDirect was not provided with bank proof showing that the CLABE belongs to the supplier legal entity.
Beneficiary match
AmberAdditional confirmation recommendedThe beneficiary name appears similar to the supplier name but was not independently supported by a bank letter, account certificate, or redacted bank statement header.
Invoice and PO consistency
GreenNo material inconsistency foundThe invoice amount, supplier name, buyer name, and payment milestone appear consistent with the purchase order and information supplied.
Changed bank-detail risk
AmberAdditional confirmation recommendedThe buyer could not confirm whether the bank details had been used for previous supplier payments. First-time or changed-bank-detail payments should be confirmed through an out-of-band channel before wiring.
Email risk
GreenNo material inconsistency foundNo obvious lookalike domain, new payment thread, or urgent bank-change pressure was identified in the supplied email thread.
PaidDirect Pre-Wire Risk Review
Missing evidence, follow-up, and approval
Page 5
Missing evidence
| Missing evidence | Why it matters |
|---|---|
| Bank proof | Needed to connect CLABE/account holder to supplier legal entity |
| Prior payment confirmation | Helps confirm whether bank details are new or previously used |
| Out-of-band confirmation | Reduces email compromise / changed-bank-detail risk |
Supplier follow-up email
Subject: Payment instruction confirmation for INV-2038
Hi [Supplier Name],
Before we process payment for invoice INV-2038, could you please provide bank proof showing the account holder legal name and CLABE for the payment instructions provided?
A bank letter, account certificate, or redacted bank statement header is fine. You may redact balances and transaction details.
Please also confirm whether these payment details have changed recently.
Thank you,
[Buyer Name]
Approval
| Name | Role | Signature | Date |
|---|---|---|---|
| Finance approver | |||
| Operations / sourcing |
Limitations and disclaimer
PaidDirect provides document and payment-instruction consistency review. We do not move funds, hold funds, provide escrow, guarantee supplier performance, guarantee recovery of funds, or provide legal, tax, customs, banking, or insurance advice.
Our review is based only on the documents and information provided, plus available checks where accessible. A Green result means no material inconsistencies were identified in the evidence reviewed. It does not mean the supplier, transaction, or bank account is guaranteed safe.
A structurally valid CLABE confirms account-number format only. It does not independently confirm account ownership. This report should be used as one input in the client's internal payment approval process.