Out-of-band verification of payment and identity requests
A request to pay, change bank details or reset access is confirmed through a separate, known channel.
Layer L4 Infrastructure / target · Owner Organisation hit · Family The target's own defences
Effective
Not effective
Not effective (bypassed)
Did not exist
By risk
| Risk | Incidents where the control was not effective or did not exist | Incidents where the control was effective | Incidents where sources don't mention the control |
|---|---|---|---|
| Fraud and impersonation | |||
| Unauthorised transactions or spend | 1 |
Why it was not effective
No incident yet records this control as not effective.
Incidents where it was not effective or did not exist per month
0 so far in 2026; 0 in the same span of 2025.
19 of 183 incidents in Oct 2026 have been read for controls.
Added in reported fixes, and what followed
No reported fix names this control yet.
Frameworks
| Standard | Clause | Requirement |
|---|---|---|
| NIST CSF 2.0 | PR.AA-03 | To verify when the text is stored |