Fake B2B "update banking details / ACH redirect" to avoid late fees — classic vendor impersonation requesting bank account update before next payment run.
supplier-payment-terms-phish
What this tier means
High-confidence threat indicator — phishing, impersonation, BEC, or scam pattern. Strong contributor to the trash decision.
How Gorganizer detects this
Fake B2B "update your payment terms / banking details to avoid late fees" cold email — classic vendor impersonation BEC variant requesting ACH redirect or bank account update before the next payment run. Attacker poses as an existing supplier claiming banking details have changed. Finance/AP staff who act on these requests redirect legitimate payments to attacker-controlled accounts. Detection: payment terms update/new banking information/ACH redirect vocabulary + late fee/next payment run urgency + no List-Unsubscribe + no In-Reply-To + not protected sender. Trash score: +3. Source: GC1-R19; FBI IC3 BEC supplier impersonation advisory 2025; ACFE payment diversion report.
False-positive guard
Every signal in Gorganizer feeds a multi-module score — never a sole verdict. This is a threat-tier signal — it adds a strong contribution to the trash score. The full pipeline still requires convergence across multiple modules + a margin over the safety floor before deletion happens, and Gmail's trash (30-day recovery) is always used — never permanent delete.
About the scoring engine
Gorganizer's scoring engine emits over 1,800 signals across six modules — headers, sender, subject, body, attachments, and structural metadata. Every email is scored by every module independently; the final verdict requires multiple modules to agree and the trash score to beat the safety floor by a margin.
Sacred safety guards — never delete starred emails, replies, calendar invites, receipts/invoices, or attachments — apply unconditionally regardless of any signal.
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