Account takeover attacks no longer affect only customer login portals. They increasingly target supplier portals, payroll systems, treasury platforms and internal finance workflows. When credentials are compromised or account details are altered, the financial impact can be immediate.
Security and finance leaders evaluating the best account takeover prevention software are balancing two pressures: reduce exposure to unauthorised access and fraudulent account changes, while maintaining operational efficiency.
Recurring buyer signals show concern around authentication strength versus payment control gaps, ERP integration depth, monitoring visibility and implementation burden. This comparison supports shortlist development through a finance-led risk lens.
Comparison table
| Software | Best for | Key strengths | Limitations | APIs & integrations | Pricing model |
|---|
| Eftsure | Organisations prioritising vendor bank account verification and payment change controls | Independent vendor verification, continuous bank validation, payment change governance, audit-ready reporting | Not a consumer login authentication platform | ERP and bank integrations and open API access | Request pricing |
| Arkose Labs | High-volume consumer account environments | Bot mitigation, adaptive risk scoring, step-up authentication | Limited finance workflow controls | API-based integrations | Enterprise pricing |
| Experian FraudNet | Large enterprises requiring multi-channel fraud analytics | Behavioural analytics, global identity data, device intelligence | Complex deployment | API integrations | Enterprise pricing |
| Ping Identity | Workforce and customer identity authentication | MFA, adaptive authentication, SSO | Does not verify payment detail changes | IAM ecosystem integrations | Subscription |
| Okta | Enterprise identity and access management at scale | SSO, adaptive MFA, lifecycle management | Focused on authentication rather than payment validation | Extensive cloud integrations and APIs | Subscription |
| Riskified | Ecommerce chargeback and ATO risk | Transaction risk modelling, chargeback protection | Focused on merchants rather than B2B finance controls | Ecommerce integrations | Revenue-share model |
What is account takeover prevention software?
Account takeover prevention software reduces the risk of unauthorised access to business or customer accounts. It typically combines identity controls, behavioural analytics and monitoring mechanisms to detect suspicious activity.
Capabilities may include multi-factor authentication, behavioural anomaly detection, bot mitigation, account change monitoring and device intelligence. Some platforms operate primarily at the login layer. Others extend into workflow controls and data validation.
For finance teams, the highest exposure is often not login access alone. It is unauthorised changes to vendor banking details, payroll accounts or treasury beneficiaries. In these scenarios, account takeover protection software must operate alongside internal controls, not just identity layers.
Vendors included in this comparison
Vendors were selected based on market relevance, fraud prevention capability, integration maturity and control depth. The list reflects how enterprise finance and security leaders typically segment the account takeover landscape across identity, bot mitigation, fraud analytics and payment validation controls.
This evaluation prioritises prevention strength, audit defensibility and operational realism over feature breadth.
1. Eftsure
Eftsure focuses on preventing fraudulent changes to vendor and beneficiary banking details before payment release. Rather than concentrating solely on login authentication, it operates as a control overlay within finance workflows.
The platform independently verifies vendors during onboarding and continuously validates bank account details. When changes occur, verification controls are triggered before payment proceeds. This reduces reliance on email confirmations and manual callback processes and strengthens segregation of duties.
Eftsure integrates with finance systems through its ERP and bank integrations and provides API documentation for automated workflows. Commercial information is available on its pricing page.
It does not replace identity access management systems. Instead, it strengthens account takeover security controls at the point where funds leave the organisation, aligning prevention with payment execution rather than authentication alone.
Best suited for: Finance and treasury teams prioritising vendor bank verification and payment redirection prevention.
2. Arkose Labs
Arkose Labs is designed to prevent automated account takeover attacks in high-volume consumer and digital platform environments. It uses bot detection and interactive challenges to reduce credential stuffing and automated abuse.
Its strength lies in protecting login environments where large volumes of authentication attempts occur daily. It is less focused on internal finance workflows or vendor bank detail changes.
Best suited for: Consumer platforms and fintechs managing high login volumes and bot-driven account abuse.
3. Experian FraudNet
Experian FraudNet combines identity verification, device intelligence and behavioural analytics to detect suspicious activity across digital channels. It supports account takeover detection software use cases in banking and enterprise environments.
Deployment can require integration across multiple systems and established fraud operations to manage signals effectively.
Best suited for: Large enterprises seeking multi-channel identity and behavioural risk analytics.
4. Ping Identity
Ping Identity provides authentication infrastructure including multi-factor authentication, single sign-on and adaptive access controls. It reduces unauthorised login attempts across workforce and customer systems.
While it strengthens identity governance, it does not independently verify vendor bank account changes inside finance workflows.
Best suited for: Organisations modernising workforce and customer authentication architecture.
5. Okta
Okta is a widely adopted identity and access management platform providing single sign-on, adaptive multi-factor authentication and lifecycle management across cloud and on-premise environments.
It supports centralised identity governance and reduces the risk of unauthorised login access. However, like other IAM platforms, it focuses on authentication and access control rather than independent verification of payment or vendor banking changes inside finance systems.
Best suited for: Enterprises standardising identity and access management across distributed systems and applications.
6. Riskified
Riskified supports ecommerce merchants by analysing transaction and account behaviour to reduce chargebacks linked to compromised accounts.
Its primary value is in transaction decisioning rather than internal B2B payment change controls within finance environments.
Best suited for: Online merchants seeking to reduce chargeback exposure from compromised customer accounts.
Key evaluation criteria for finance teams
Finance and security leaders evaluating ATO fraud prevention software should assess whether protection extends beyond login authentication into payment execution controls.
Key considerations include coverage across payment workflows, integration architecture with ERP and treasury systems, visibility of verification outcomes and the quality of audit evidence retained.
Operational impact also matters. A solution should reduce manual validation workload rather than introduce additional friction or parallel processes.
Prevent account takeover attacks in finance environments
To prevent account takeover attacks in finance workflows, organisations typically layer multi-factor authentication with independent vendor verification, dual authorisation for bank changes, real-time monitoring of master data updates and payment release validation controls.
Layered controls reduce reliance on a single defensive mechanism and align technical detection with financial control requirements.
Next steps
Before selecting a vendor, map where account takeover exposure enters your environment: login compromise, vendor master updates, beneficiary changes or payment file release.
If payment redirection risk is a priority, review how independent verification controls operate alongside your existing ERP and identity systems.
Request a demo
FAQs
How to stop account takeover fraud in accounts payable?
Combine authentication controls with independent verification of vendor bank changes before payment release. Dual approvals and clear audit trails strengthen resilience against payment redirection.
What is the difference between account takeover detection software and prevention software?
Detection software identifies suspicious activity after compromise has occurred. Prevention software applies controls that block unauthorised changes before financial loss occurs.
Does MFA prevent payment redirection fraud?
MFA reduces login compromise risk but does not verify whether bank details inside finance systems have been fraudulently altered. Payment-level controls remain necessary.
