PayOrScam uses automated rules and AI (OpenAI models) to read documents and weigh evidence. AI can misread text or make mistakes.
A Low / Medium / High level reflects the warning signs we found, not a finding of fact.
"Exact match" means the same website, phone number or bank account from your document appears in a warning list or a scam/fraud mention. "Possible" means only a similar name matched. Names are often reused or impersonated, so that's not proof.
We never call a company a scam. If a report says a regulator has warned about a firm, follow the source link and check the details match.
A Low result doesn't guarantee safety. Fraudsters copy real invoices. Always confirm bank details by phone using a number you already trust.
Are you a business named in a report and think something is wrong? Request a correction.