01 — Splash Screen
Veri-phy Android · 30 Screens · Use ←→ keys or click list
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Veri-phy
Trust before transaction.
Payment protection
for merchants like you.
for merchants like you.
Know if a payment alert is real before you release your goods. Instant. Silent. Reliable.
9:41
How Veri-phy works
Alert arrives.
Veri-phy checks.
You're safe.
Veri-phy checks.
You're safe.
Every payment SMS is verified against the real bank ledger. You see VERIFIED, PENDING, or FAKE — before you release a single item.
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Step 1 of 4
What kind of merchant are you?
Choose your category — we'll tailor your protection.
POS Agent
Card & transfer
Market Trader
Open market
Phone Seller
Electronics
WhatsApp Vendor
Social commerce
Dispatch Rider
Delivery & COD
Other Business
All merchants
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Select all the ways customers pay you. Veri-phy monitors each channel automatically.
Bank SMS Alerts
GTBank, Access, UBA, Zenith...
WhatsApp Receipts
Screenshot payment proofs
USSD Transfers
*737#, *901#, *919#
POS Terminal
Card-present transactions
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Connect your business account to verify against real bank ledgers in realtime.
Read-only access. We cannot move or touch your money.
Select your bank
GT
GTBank
AB
Access
UB
UBA
ZN
Zenith
FC
FCMB
+
More
GTBank — Enter BVN
2234•••••1
Your BVN is used for identity verification only
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Veri-phy Virtual Account
0123 456 789
Providus Bank · ABDULLAHI MUSA
Copy Account
Share
How it works
1
Customer sends money to this account number
2
Veri-phy instantly confirms the credit
3
You see VERIFIED — zero guesswork
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Enable payment alert protection
Veri-phy reads only payment SMS alerts from your bank. Your personal messages are never touched.
Only bank payment alerts are read — GTBank, Access, UBA, Zenith, Opay...
Personal messages and WhatsApp are completely ignored
Revoke anytime from Settings
Android permission dialog will appear
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Stay notified when it matters
Veri-phy shows fraud warnings the moment a suspicious alert is detected. No spam. Only critical alerts.
You will receive
Fraud warningsAlways
Verification resultsYes
Promotional messagesNever
Daily digestsOptional
Manage anytime in Settings
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Allow fraud warnings to appear instantly
This lets Veri-phy show the verdict card over any open app — so you see it the moment a payment arrives.
Most important permission. Without it, fraud warnings cannot appear over your chat screens.
Android will ask you to confirm
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Keep protection running in the background
Android's battery saver can stop Veri-phy mid-transaction. This setting keeps it always-on so you're never unprotected.
Veri-phy uses less than 1% battery per day
Only wakes when a payment SMS arrives
Skip — protection may pause occasionally
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You're protected.
Veri-phy is now running silently. Every payment alert will be verified before it reaches you.
0.8s
Avg verdict
Active
Status
24/7
Protection
9:41
Good morning,
Abdullahi 👋
Protection Active
Monitoring all SMS alerts · 0.8s avg
47
Verified today
3
Frauds blocked
Recent Activity
✓
GTBank Transfer
2 mins ago · IBRAHIM A.
₦25,000
VERIFIED
⌛
Access Bank
8 mins ago · KEMI A.
₦80,000
PENDING
✕
UBA Alert
1 hr ago · Blocked
₦150K
FAKE
Home
Activity
Shield
Profile
9:41
Fully Protected
All systems operational · Since 7:23 AM
Today's Stats
47
Checked
44
Verified
3
Blocked
GT
GTBank Alerts
SMS
GTBank Nigeria
₦25,000.00
received. From: IBRAHIM A. Ref: TXN****8301
9:41 AM ✓✓
Veri-phy is verifying this alert…
Swipe up to review full verdict
VERIFIED
₦25,000 · GTBank
GT
GTBank Alerts
SMS · Just now
GTBank Nigeria
₦25,000.00
received. From: IBRAHIM A.
9:41 AM ✓✓
VERI-PHY
0.6s
VERIFIED
Confirmed in bank ledger
Amount₦25,000.00
BankGTBank Nigeria
SenderIBRAHIM ABDULLAHI
Settled0.6 seconds ago
Tap to dismiss · View full report
AB
Access Bank Alerts
SMS
Access Bank
₦80,000.00
Transfer. From: KEMI ADEOLA.
9:41 AM ✓✓
VERI-PHY
Checking…
PENDING
Awaiting settlement confirmation
Amount₦80,000.00
BankAccess Bank
StatusProcessing at NIBSS
Est. time~2 minutes
We'll notify you when it settles
UB
UBA Nigeria
SMS
UBA Nigeria
₦150,000.00
Credit alert. From: EMEKA OBI.
9:41 AM ✓✓
VERI-PHY
⚠ HIGH RISK
NOT FOUND
No matching transaction in ledger
Amount claimed₦150,000.00
Ledger matchNONE
Risk levelCRITICAL
Report fraud · Why this verdict?
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Activity
47 verifications today
All
Verified
Pending
Fake
Today
✓
GTBank
₦25,000
IBRAHIM A. · 9:41 AM
VERIFIED
⌛
Access Bank
₦80,000
KEMI A. · 9:33 AM
PENDING
✕
UBA Nigeria
₦150,000
EMEKA O. · 8:50 AM · Blocked
FAKE
✓
Zenith Bank
₦10,500
TAIWO K. · 8:22 AM
VERIFIED
Yesterday
✓
GTBank
₦45,000
HASSAN M. · 3:15 PM
VERIFIED
Home
Activity
Shield
Profile
9:41
⚠ FRAUD ALERT
Fake Alert Detected
This SMS was not matched to any real transaction. Do not release goods to this customer.
Hold all goods. Ask the customer to transfer directly to your Veri-phy virtual account.
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₦150,000 from UBA
3 verification signals checked · All failed
Verification Signals
Bank Ledger Check
FAILED
No transaction matching this reference, amount, or sender was found in UBA's real-time ledger within the last 30 minutes.
Reference Format
SUSPECT
Reference “UBA2024***501” doesn't match UBA's standard format. Likely manually constructed.
SMS Sender ID
SPOOFED
Sender ID “UBA Nigeria” matches the bank's real ID but originated from a non-bank SMS gateway.
What you should do
Ask the customer to transfer to your Veri-phy virtual account (0123 456 789 · Providus Bank). When funds arrive, you'll see VERIFIED immediately.
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Customer sent you a payment screenshot? Upload it and Veri-phy will extract and verify the transaction details.
Upload payment screenshot
Tap to choose from gallery or take a photo
Gallery
Camera
Works with
GTBank SMS
Access Bank
UBA Alert
Opay
Palmpay
+12 more
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Analysed
Uploaded screenshot · GTBank_receipt.jpg
VERIFIED
Receipt matches bank ledger
Extracted amount₦25,000
BankGTBank Nigeria
ReferenceTXN****8301
Ledger matchCONFIRMED
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Your report helps protect thousands of merchants. We share fraud patterns with partner banks to block repeat offenders.
What happened?
Additional details (optional)
Describe what happened…
Reports are reviewed within 24 hours. We may contact you for more details.
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Settings
Protection
Account
Veri-phy v2.4.1 · NDPR Compliant
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Your data belongs to you
Export or delete all your data at any time. We never sell your transaction patterns to third parties.
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Verification failed
We couldn't reach the bank's server right now. This may be a temporary issue on their end.
Do not release goods until you confirm payment manually or try again.
Or verify manually via your bank app
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Activity
No verifications yet
No activity yet
Once you receive a payment SMS, Veri-phy will automatically verify it and show the verdict here.
Waiting for your first alert…
Protection is active and monitoring SMS
Home
Activity
Shield
Profile
9:41
You're offline — cached verdicts available
No internet connection
Realtime verification is paused. Last known verdicts are shown from cache. Reconnect to resume full protection.
Offline Mode
Cached verdicts44 available
Last sync2 mins ago
WhatsApp Business
GTBank Nigeria
₦25,000.00
received. IBRAHIM A. · TXN****8301
9:41 AM
Veri-phy · VERIFIED
₦25,000 from GTBank confirmed ✓
VERIFIED · ₦25,000
GTBank · Tap to see full report
Screen 01 / 30
Splash Screen
Brand intro screen with animated logo reveal, progress indicator, and tagline. Shown for ~2.5 seconds before proceeding to Welcome.