nacha
ach
false pretenses
credit entry
bec
vendor impersonation
payroll redirect
fraud
odfi
rdfi
phase 2
2026

ACH False-Pretenses Credit-Entry Simulator

Simulates Nacha Phase 2 false-pretenses credit-entry fraud scenarios (vendor impersonation, payroll redirect, BEC, account takeover, insider fraud), maps triggered rule obligations by role, and models the funds-recovery path. Zero PII.

Tool URL: https://ainumbers.co/tools/493-ach-false-pretenses-credit-entry-simulator.html AP2/Policy Mandate export: yes

post/v1/tools/simulate_ach_false_pretenses_scenario

Request

  • Base URL: https://ainumbers.co
  • URL: https://ainumbers.co/v1/tools/simulate_ach_false_pretenses_scenario
  • Auth: none declared

Request body

scenariostring required

Fraud scenario: vendor_impersonation, payroll_redirect, bec_wire_redirect, account_takeover, insider_credit_fraud

entry_classstring

ACH entry class: CCD, CTX, PPD, WEB

amount_usdnumber

Credit entry amount in USD

discovered_timingstring

When fraud discovered: same_day, next_day, t2_t5, after_t5

Response

Successful tool execution result

recovery_pathobject
recovery_likelihoodstring

Changes

No recorded changes to this operation across all 1 revision of this API.