Invoice fraud: The weak link in the supplier chain
The silent replacement of billing documents that diverts your cash flow.
Audience: Companies and Operations · Risk level: CRITICAL
Blindfy Intelligence Unit · Technical review by Blindfy
Scenario
A regular supplier sends a legitimate invoice, but the email is intercepted and the PDF is altered with new banking details.
How the scam works
Man-in-the-middle attacks or access to unprotected email accounts allow payment data to be altered before reaching the finance department.
Common mistake
Trusting only the email sender without validating banking details through another channel.
Impact
High-value financial loss and extreme strain on the business relationship.
What works
Payment governance and validation of Pix keys/accounts before transferring funds.
Protection checklist
- Implement digital signatures on PDFs
- Validate Pix keys with the supplier by phone
- Use secure payment portals
- Monitor suspicious access to email accounts
- Audit the invoice approval workflow
- Implement strict DMARC and SPF policies
Editorial sources
- Banco Central do Brasil — Orientações oficiais sobre golpes e Pix
- CERT.br / NIC.br — Cartilha de Segurança para Internet
- ENCCLA / Ministério da Justiça — Enfrentamento a golpes digitais
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