Understand what to do
Start with the risk rating, why it matters and what to verify before you click, reply or pay.
SCAM EMAIL CHECKERUnsure if an email is genuine? Check the evidence.
Built for everyday users, Jatzo turns technical email evidence into a result you can understand without needing a cybersecurity background.
- From
- Pellowmere Supplies <accounts@pellowmere-billing.example>
- Reply-To
- payments@pellowmere-accounts.example
- Subject
- Updated bank details for invoice 4471
Email risk score
100/100
Risk gradeVery high risk
Multiple strong indicators suggest this email may be phishing or malicious. Do not click links, open unexpected attachments, or provide sensitive information until independently verified.
What it wantsGet you to send money or change payment details
Top reasons for this score
- +28Payment change with a warning sign
A bank change with replies routed elsewhere or a phone call discouraged is how a hijacked mailbox diverts money.
- +22DMARC failure reported
The domain in the From line did not authorise this message.
- +16Supplier payment details changed
A change to supplier bank details is the main step in invoice fraud.
and 4 more findings in the full result
Recommended action
Do not send money or change payment details from this email alone. Verify the request using a trusted contact method you already have.
Check. Understand. Act.
- 01
Check
Paste it, or check in Outlook.
- 02
Understand
A grade, reasons and evidence.
- 03
Act
Your next step, in plain English.
What gives a scam away.
Plain-English risk grade
Start with Low risk, Suspicious, High risk or Very high risk.
Message intent
Identify pressure to pay, sign in, reveal information, claim rewards or act urgently.
Suspicious links
Inspect meaningful destinations without treating every tracking asset as a threat.
Technical depth when needed
Paid tiers can expose deeper link, source IP and technical evidence.
The reasons, in words you can check.
+28 points
Payment change with a warning sign
ObservedThe message changes where money should be paid and also routes replies to another domain, steers you away from a phone call, or presses you to stop using the old account.
Why it mattersA bank change with replies routed elsewhere or a phone call discouraged is how a hijacked mailbox diverts money.
+22 points
DMARC failure reported
ObservedSupplied headers report DMARC failure.
Why it mattersThe domain in the From line did not authorise this message.
+16 points
Supplier payment details changed
ObservedThe message appears to change supplier, beneficiary or remittance details.
Why it mattersA change to supplier bank details is the main step in invoice fraud.
What a result cannot tell you.
- A low score is not a guarantee.
- Missing evidence is not proof of safety.
- Automated analysis can be wrong.
- Verify requests through a route you trust.
The scams that reach an ordinary inbox
An invoice from a supplier you really use, with bank details that have changed. A delivery that needs a small fee before it can be released. A refund you did not ask for, which needs your card number to be paid back. A message from your own bank asking you to move money somewhere safe.
None of these needs a virus, and some carry no link at all. They work because they are plausible, they arrive at a believable moment, and they ask you to do something ordinary in a hurry.
If you have already replied, stop and contact the organisation on a number you find yourself, not one in the message. If you sent bank details or money, tell your bank straight away. Since 7 October 2024, banks and payment firms in the UK have had to reimburse eligible people, micro-enterprises and charities who lose money to authorised push payment fraud sent by Faster Payments or CHAPS, up to £85,000 a claim, so reporting it quickly matters.
Source: Payment Systems Regulator, APP scams reimbursement.
How to check a message safelyStart with five free checks each month.
See the analysis before deciding whether you need a paid plan.
Clear guidance for you. Detailed evidence for your experts.
You should not need an IT background to check a worrying email. Jatzo explains the warning signs and your next step in everyday language, whether you are at home, running a business or working in a team.
Investigate when you need to
Explore the available header, link and attachment evidence, with source-network details and live reputation on the relevant plans. Expert detail stays alongside the explanation.
A decision aid for people and their IT teams. Jatzo cannot guarantee that a message is safe.