Detect payment fraud and document fabrication

Leja Professional flags duplicate payment alerts and fabricated proofs before you confirm. Review each flag with a confidence score and decide how to act.

Payment fraud in Nigerian residential tenancy most commonly takes two forms: a tenant submitting the same bank alert twice to cover two separate rent charges, and a tenant submitting a fabricated or altered bank alert that was never generated by a real transaction. Both forms of fraud are designed to be caught only after the agent has already confirmed the payment — by which point recovery is difficult and landlord trust is damaged.

Leja’s fraud detection runs automatically on every payment submission and flags these patterns before you confirm anything. You see the alert, review the evidence, and decide how to proceed. Nothing is blocked automatically without your knowledge.

Fraud detection alerts require a Business subscription or above. See Pricing for the full tier breakdown.

The two detection types

Duplicate payment detection

When a bank alert is submitted for a payment confirmation — either through AI-assisted extraction or attached as a reference — Leja checks it against all previously confirmed payments across your organisation. If the same alert appears to have already been used to record a confirmed payment, a duplicate flag is raised.

This protects against a tenant submitting one real transaction as proof of payment for two separate rent charges — or against two tenants in separate units submitting the same fabricated alert.

The flag shows you:

• The original payment it matches (date, amount, receipt number)
• The submission that triggered the flag
• A confidence score indicating how closely the two alerts match
• The specific signals that triggered the match (reference number match, amount and date combination, image hash similarity)

Document fabrication detection

For bank alert screenshots submitted to AI extraction, Leja cross-checks the image against known patterns for authentic bank notifications from Nigerian banks. Fabricated or altered alerts frequently show visual inconsistencies — font irregularities, altered transaction amounts, timestamp formatting that does not match the bank’s actual notification format.

When fabrication signals are detected, a flag is raised with a confidence score and a description of the specific signals found. You are shown what the AI found unusual about the document so you can make an informed decision about whether to investigate further.

What you see when a flag is raised

A fraud alert appears in your intelligence feed and is attached to the pending payment submission. The alert includes:

Element	Description
Flag type	Duplicate submission or document fabrication
Confidence score	How certain the detection is (0–100%)
Triggered signals	The specific indicators that caused the flag
Related records	Linked previous payments or matching submissions
Recommended action	Investigate or proceed with caution

A fraud flag is not a confirmed determination of fraud. It is a signal that requires your review. A high-confidence flag for a duplicate reference may simply mean the bank reused a reference number format — unusual but not impossible. Your judgement and knowledge of the tenant’s circumstances are essential.

What you decide

When a fraud flag is raised, you have three options:

1. Investigate — place the payment on hold and contact the tenant or their bank to verify the transaction before confirming
2. Proceed — if you have investigated and are satisfied the flag is a false positive, you can confirm the payment with the flag noted on the record
3. Discard — reject the payment submission without confirming, leaving the rent charge as outstanding

Your decision is recorded on the payment record regardless of which path you take. If you confirm despite a fraud flag, that flag and your override decision remain visible on the record permanently.

Privacy — flags are private to your organisation

Fraud flags are internal to your organisation in Leja Professional. When a flag is raised:

• The tenant is not automatically notified
• The flag does not appear on the tenant’s profile visible to other agents or landlords
• The flag is only visible to your organisation within Leja Professional

If you investigate and determine fraud has occurred, how you handle communication with the tenant — and whether you involve the landlord or authorities — is your decision. Leja documents what you record but does not communicate to the tenant on your behalf.

Fraud flags that are confirmed as fraudulent after your investigation can be escalated through your organisation’s records in Leja. This creates a documented trail useful for any subsequent legal process, but escalation is always initiated by you.

Subscription requirements

Fraud detection alerts are available on Business, Scale, and Enterprise tiers. The feature is not available on the Free or Pro tier.

See Pricing for full tier details.