Skip to content
CarrierKYC

Scripted demo · Verified Payee

Verified Payee demo: onboard a carrier, then stop a bank-change scam

A two-minute, scripted walkthrough of how a small factor would use Verified Payee, which is in early access. Step 1 pulls real FMCSA data for any USDOT or MC number you enter. Every other provider response (ID, selfie, bank, UCC and the attack) is simulated and labeled that way.

The factor, Lantern Freight Capital, is fictional. You play the carrier on the phone and watch the factor's case file fill in beside it.

Lantern Freight Capital

Demo factor (fictional)

Legend:Real FMCSA dataSimulated

Step 1 of 6 · FMCSA lookup

Real FMCSA data

Check the carrier's public record

Lantern Freight Capital, a fictional factor, has texted a carrier its branded onboarding link, and you're playing the carrier. Enter a real USDOT or MC number on the phone and the case file pulls live FMCSA records, each with its dataset and as-of date. No number handy? Use the sample carrier, which is fictional.

Sample carrier (fictional data)

Carrier's phone

onboard.lantern-freight.example

Lantern Freight Capital

Demo factor (fictional)

Onboarding step 1 of 4

Get funded with Lantern

First, which carrier are you onboarding?

Number type

Real numbers query live FMCSA data. No number handy? Use the sample carrier from the panel.

Verification by CarrierKYC · demo

Look up a carrier or use the sample to continue.

Honest by design

What's real and what's simulated in this demo

What each demo step shows, and whether it uses real data
StepWhat you seeReal or simulated
1. FMCSA lookupOperating status, authority, insurance and risk signals for the USDOT or MC you enter, each with its dataset and as-of date.Real dataReal: live FMCSA data from data.transportation.gov. The sample carrier is fictional.
2. IdentityID document check, live selfie match, and a match to the company officers FMCSA lists for the carrier.SimulatedSimulated provider response. For a real carrier, the officer names come from the FMCSA census and are shown as initial and last name.
3. Bank ownershipAccount holder name matched to the carrier's legal name, with masked account and routing numbers.SimulatedSimulated. First Demo Bank is fictional, and no credentials are requested.
4. UCC and prior factorWhether a prior factor holds a UCC-1 lien, and the release letter it would take.SimulatedSimulated. You choose the outcome.
5. Case fileEvery fact with its source and timestamp, under a Verified Payee or Review stamp.SimulatedAssembled from steps 1 to 4. It is not a verification of any carrier.
6. The attackA spoofed bank-change email, the payment hold, re-verification on the phone on file, and the failed selfie match.SimulatedSimulated. Email domains use the reserved .example domain, which can't be registered.

Steps 2 to 6 run entirely in your browser from a script. The demo never turns on your camera and never asks for an ID, a selfie, or bank details.

The product

How Verified Payee works

Public data can tell you which carrier someone names. It can't tell you whether the person applying runs that carrier, or whose bank account you're about to pay. Verified Payee closes both gaps, then keeps watching the payee.

Verified Payee is in early access. Small factors can request a free 60-day pilot. Not ready for software? The free bank-change verification checklist covers the manual version.

  1. The factor sends the carrier a link to an onboarding page with the factor's own branding.
  2. CarrierKYC checks the carrier's FMCSA authority, operating status and insurance.
  3. The applicant proves they are a real officer of the carrier: a government ID and a live selfie, with the name matched to the officers in FMCSA's census.
  4. The carrier proves the bank account is its own: bank authentication plus the account holder's identity, matched to the carrier's legal name.
  5. CarrierKYC checks UCC filings for a lien held by a prior factor.
  6. The factor gets a case file in which every fact has a source and a timestamp.
  7. When a "change my bank account" request arrives later, payment is held and both the person and the new account are re-verified before the next ACH goes out.

For factoring companies

Stop paying the wrong account.

CarrierKYC verifies that the person onboarding controls the carrier and that the bank account belongs to it, then re-verifies every remit-to change before the next ACH. Free 60-day pilot for small factors.

Request a pilotSee the 2-minute demo

Monthly · free

The Freight Identity Risk Report

New authorities, revocations, insurance cancellations, and shared-contact clusters from FMCSA data, every month. One email. Unsubscribe in one click.