OutflowGuard

Introduction to OutflowGuard

OutflowGuard is a security application designed to prevent payment fraud originating from unauthorized changes to supplier bank account details within Xero accounting software. It addresses a prevalent threat where fraudsters compromise supplier records in accounting systems, leading to legitimate invoices being paid into fraudulent accounts. The solution is built specifically for accountants and bookkeepers who manage multiple client Xero organisations, providing automated detection, verification workflows, and comprehensive audit capabilities.

The product connects directly to Xero via the official API using read-only access, ensuring no modifications are made to accounting data without explicit user action. It operates continuously to monitor for changes in supplier banking information and enforces procedural safeguards before payments are processed. With its focus on compliance, transparency, and operational security, OutflowGuard supports financial teams in meeting regulatory expectations such as those outlined in emerging Scams Prevention Framework liability requirements.

Key Takeaways

• Detects changes to supplier bank account details in Xero in real time
• Pauses suspicious payments and requires dual-person verification before release
• Generates timestamped, user-attributed audit trails for every change and approval
• Provides automated risk scanning: ghost suppliers, round-number invoices, duplicate bills
• Offers tiered plans supporting 1 to 50+ Xero organisations with scalable user counts
• Uses AES-256 encryption and adheres to bank-grade security standards
• Includes historical audit visibility (up to 12 months in Business plan, unlimited in Agency)
• Supports Slack, Microsoft Teams, and email alerting with configurable notification channels

How OutflowGuard Works

OutflowGuard integrates with Xero by reading the Audit Trail and supplier contact data through the official Xero API. Upon connection, it performs an initial Day 1 Scan of historical supplier records to identify past bank detail changes that may indicate prior compromise or process gaps. Thereafter, it monitors for new modifications to bank account fields in real time. When a change is detected, the system triggers an alert and halts associated pending payments, requiring manual verification by at least two authorised users via a secure workflow interface.

Each verification step—including who initiated the check, who approved it, timestamps, and contextual notes—is permanently logged. Users can review activity through a central dashboard showing alerts, approvals, and risk indicators. Compliance reports are exportable in CSV or Excel format, and audit logs are retained per plan tier (90 days in Free, up to unlimited in Agency). No data is written back to Xero unless explicitly confirmed by the user during the approval process.

Core Benefits and Applications

OutflowGuard enables finance professionals to demonstrate documented due diligence in supplier payment verification, which is increasingly critical under regulatory frameworks governing scam liability. Its dual-approval workflow eliminates single points of failure in payment authorisation, reducing internal error and external fraud risk. Accounting practices use it across client books to standardise security protocols and generate compliance-ready reports for audits. Bookkeepers benefit from automated health checks that surface anomalies—such as suppliers with no associated invoices (ghost suppliers) or unusually frequent round-dollar amounts—before they result in financial loss. The solution applies equally to businesses operating globally with Xero, regardless of jurisdiction, and supports multi-tenant management for agencies overseeing dozens of client environments.

Pricing is listed in AUD, with annual billing offering a 17% discount. All plans include 5-minute setup, read-only Xero integration, and bank-grade encryption.