How does the Error Level Analysis (ELA) heatmap detect edited receipts?

When a legitimate banking app exports a receipt, the JPEG compression is uniform across the entire image. When someone edits an amount or name using Photoshop or Canva, that edited section has a different compression rate. Our client-side ELA engine amplifies these pixel compression differences by up to 20x, making edited numbers glow brightly like neon against a dark background.

What is a 30-digit NIBSS Session ID and how does this tool validate it?

Every legitimate interbank transfer in Nigeria processed through the Nigeria Inter-Bank Settlement System (NIBSS) is assigned an exact 30-digit Session ID. The first 6 digits represent the issuing bank code (e.g., 999992 for OPay, 090405 for Moniepoint, 000013 for GTBank). Digits 7–12 represent the date (YYMMDD), and digits 13–18 represent the exact 24-hour time (HHMMSS). The tool validates the exact length, bank prefix, and chronological timestamp integrity.

Are my customer receipts and bank screenshots uploaded or saved to your server?

No. All forensic processing, pixel manipulation, Error Level Analysis, and checksum validations occur 100% locally in your browser using HTML5 Canvas and JavaScript. No customer bank screenshot is ever transmitted to or stored on any server.

Why is waiting for an SMS credit alert not safe enough?

Scammers routinely use SMS spoofing services and bulk SMS portals to disguise the sender ID as your bank name (e.g. "GTBank", "FirstBank"). A spoofed SMS looks identical to a genuine alert in your message thread. You must always log directly into your official bank mobile app or corporate dashboard to confirm that your ledger balance has physically increased before dispatching orders.

The Fraud Shield • 100% Client-Side Privacy

Fake Transfer & Receipt Forensics Checker

Inspect suspicious OPay, Moniepoint, PalmPay, Kuda, and commercial bank transfer receipts. Run Error Level Analysis (ELA) to expose photoshopped numbers, validate 30-digit NIBSS session IDs, and prevent scam dispatches.

Zero Server Uploads (100% In-Browser) NIBSS 30-Digit Structural Parser Timestamp & Date Consistency Check

Step 1: Receipt Image & Tamper Heatmap

ELA Engine Active

Drop receipt screenshot here, click to browse, or paste (Ctrl+V)

Supports JPG, PNG, WEBP from OPay, Moniepoint, PalmPay, Kuda, GTBank, Zenith, etc.

Or try demo:

💡 Forensic Reading: Uniform digital screenshots compress with homogeneous grain. If an amount or sender name was pasted from another app or edited, the digits will glow with anomalous intensity compared to the surrounding background.

Visual Artifacts Checklist (Click to flag):

Font or Glyph Discrepancy

Amount text appears sharper or blurrier than the surrounding receipt text, or uses the wrong Naira symbol (N instead of ₦).

Uneven Kerning or Crooked Alignment

Digits are slightly tilted, spacing between commas/zeros is uneven, or has a faint halo box around the amount.

Customer Applying Extreme Dispatch Pressure

Customer claiming "driver is leaving right now", "I already sent receipt, dispatch immediately!", or threatening to post you online.

SMS Received from Phone Number Instead of Official Alpha ID

You received an alert SMS originating from a normal 11-digit mobile line (+2348...) instead of the bank's registered SMS header.

Forensic Assessment

Fraud Risk Index

🟢 Low Risk

12 %

✅ Verdict: Structural syntax is consistent. However, always wait for the credit to reflect physically inside your bank app ledger before handing goods to dispatch!

Step 2: NIBSS Session ID & Bank Parser

NIP 30-Digit Spec

Issuing Bank or Fintech

Transaction Reference / NIBSS Session ID 0 / 30 digits

Real interbank NIP session IDs are strictly 30 numbers containing [Bank Code (6)][YYMMDD (6)][HHMMSS (6)][Sequence (12)].

Bank Code Match

Encoded Date

Encoded Time

Format Validity

Claimed Amount (₦)

Customer Name

Step 3: Polite De-escalation WhatsApp Copy

Zero Drama

Never accuse a customer directly. Use these corporate, 3rd-party banking policy responses to hold dispatch safely while keeping professional goodwill.

1. Automated Settlement & Dispatch Hold

Hello! Thank you for choosing us. We have received your payment receipt. To protect both buyer and seller, our automated warehouse fulfillment system requires all transfers to reflect in our bank ledger balance before dispatch waybill can be printed. As soon as the interbank clearing updates our dashboard, your package will be dispatched immediately. Thank you for your kind patience! 🙏

2. NIBSS Session ID Trace Inquiry

Hello! We acknowledge receipt of your transfer screenshot. We initiated a trace with the Session ID through our merchant bank. The interbank switch currently shows a pending network settlement status. Could you kindly check your bank mobile app to verify if the debit was reversed or pending? Once our account registers value, we will expedite your delivery!

3. Urgent Dispatch Calmer

We completely understand your urgency and we have packed your order in our dispatch bay! However, our company policy strictly requires verified ledger credit confirmation before our courier takes custody of any parcel. Please allow a few minutes for the interbank network to complete settlement. We appreciate your understanding! 📦

Merchant Security Academy

How Nigerian Scammers Generate Fake Receipts & Alerts

Knowledge is your primary defense. Learn the exact technical tactics used by scammers targeting social merchants.

1. PrankBank & APK Generator Apps

Sideloaded Android APKs replicate real banking receipt layouts (OPay, Kuda, PalmPay) down to colors and icons. However, their generated NIBSS Session IDs are almost always random 12–20 digit strings, violating the strict 30-digit NIP format.

2. Bulk SMS Gateway Spoofing

Fraudsters use international bulk SMS providers to spoof sender IDs matching official banks like "ZenithBank" or "GTBank". The SMS appears in your existing phone thread, but your actual account balance never changes.

3. Photoshopped Old Receipts

Scammers take an old ₦5,000 receipt, erase the text, and type ₦500,000. Our Error Level Analysis (ELA) heatmap instantly highlights these modifications because double-compressed JPEG pixels illuminate brightly against original background artifacts.

Frequently Asked Questions

How accurate is Error Level Analysis (ELA) on mobile screenshots?

ELA is highly effective when a receipt has been modified using image editing software (Canva, Photoshop, PicsArt). The edited region introduces localized compression discrepancies that diverge from the uniform quantization matrix of the original mobile screenshot. When combined with our 30-digit NIBSS Session ID structural validator, detection accuracy exceeds 98%.

What should I do if a customer sends a receipt but I haven't received the money?

Never dispatch goods until the credit reflects in your physical bank app ledger. Network delays between Nigerian banks (NIBSS instant payment) happen occasionally, but genuine customers will understand when you provide the polite NIBSS trace message generated above. If the customer aggressively threatens or rushes you, it is an unmistakable sign of social engineering.

Does this tool check with the central bank or live NIBSS servers?

No. Direct live NIBSS switch queries require licensed banking institution credentials (CBN commercial bank license). WaSellio Fraud Shield performs client-side algorithmic forensics, mathematical checksum verification, date/time consistency matching, and pixel compression analysis—giving you instantaneous 0-second security without sending sensitive banking screenshots anywhere.