Looking for a Fortiro alternative? — Self-serve PDF fraud detection for AU lenders and proptech
Australian lenders, brokers, and proptech platforms know Fortiro as a local document fraud detection player covering Xero/MYOB payslip fraud, bank statement manipulation, and adjacent patterns. HTPBE? solves the same core problem at the file layer — and ships it as a self-serve REST API with public pricing, free test keys, and same-day integration.
HTPBE? analyzes the structural layer of the PDF file — producer, xref, metadata, image streams, signature chain. We don't replace identity proofing or income-source connections (Open Banking, Basiq). We catch the forged or edited PDF the applicant uploaded. Fortiro has its own approach and Australian customer base; this page describes how HTPBE? fits a different deployment pattern (engineering teams shipping AU lending or proptech flows), not a feature-by-feature audit.
What this looks like
Why AU lender and proptech teams evaluate HTPBE? alongside Fortiro
Three real fraud mechanics we catch at the structural PDF layer.
Self-serve developer experience
Sign up, get an API key, ship the integration the same day. No sales call, no procurement process, no minimum contract. Test keys are free on every plan — your engineers prototype against deterministic test fixtures before any commercial decision.
Public, predictable pricing in USD
Plans from $15/mo (30 requests) to $499/mo (1,500 requests). Enterprise unlimited is a contract conversation. AU teams can budget the integration without local sales engagement.
AU-specific fraud patterns covered
Xero / MYOB payslip fraud, AU bank statement manipulation, fake superannuation statement detection, fake NDIS document detection, and right-to-work document fraud are core AU patterns with dedicated tech-page coverage. Producer signatures from Xero, MYOB, ANZ, CommBank, NAB, Westpac, MyGov / ATO are recognised.
How HTPBE? is positioned
When HTPBE? makes sense (and when Fortiro might fit you better)
Want a developer API in USD? HTPBE? Want a managed AU-local platform? Look at both.
Honest sizing: pick the tool whose deployment model and locale match yours.
HTPBE? is built for engineering teams shipping AU lending and proptech flows that want a clean REST API with global infrastructure, public USD pricing, and same-day integration. If your team prefers a managed AU-local platform with operator UI and AU-based account management, Fortiro and similar players are positioned for that — a fair reason to evaluate them. Both serve real AU document fraud needs; the right answer depends on whether you want a primitive your engineers integrate or a managed product with local relationship management.
Document types
PDFs we analyze for AU lending and proptech workflows
Every type listed below is analyzed at the structural file layer — not the rendered image.
What HTPBE? checks
Detection capabilities
Deterministic structural signals. No probabilistic scores, no model training.
Producer signature analysis (AU-specific tools)
Authentic AU payslips come from payroll engines (Xero Payroll, MYOB AccountRight, KeyPay, Employment Hero). Bank statements come from ANZ, CommBank, NAB, Westpac, ING, Macquarie, Bendigo. Super statements from Australian Super, REST, HESTA, AustralianRetirementTrust. HTPBE? recognises the producer signatures and flags desktop fabrications.
Incremental update detection
Edits to a real PDF leave incremental update markers in the xref chain. HTPBE? flags these as MODIFIED at high confidence even when the visual layout looks pristine.
Balance arithmetic check
Running balance is validated row-by-row across AU bank statements (previous balance + transaction = new balance). Edited transactions break the chain unless every dependent balance was also adjusted.
Digital signature chain validation
AU-government-issued PDFs (ATO Notice of Assessment, MyGov documents) often carry digital signatures. HTPBE? validates the signature chain and flags invalidated or removed signatures.
Image-stream artefact detection
Lifted-and-pasted logos and headers from AU bank or employer sites leave compression artefacts that differ from authentic embedded content. The image-stream metadata exposes paste operations.
Cross-document fingerprint analysis
When multiple "different" employer letters or bank statements from a single AU applicant pool share fingerprints, the API surfaces the shared signatures — useful for catching synthetic-identity rings.
Share with engineering
Wire this into your intake pipeline in under a day
Two API calls — one POST to submit the PDF, one GET to retrieve the verdict. Forward this page to your engineering team; the full API reference, quotas, and copy-paste examples in cURL, JavaScript, Python, PHP, Go, and Ruby are one click away.
Pricing
Self-serve plans, no sales call
All plans include the same forensic checks. Pick the quota that matches your monthly document volume.
manualStarter
$15/mo
30 checks/mo
Manual spot-checks and integration testing
most commonGrowth
$149/mo
350 checks/mo
Active document processing pipelines
high volumePro
$499/mo
1,500 checks/mo
High-volume automation and API integrations
Enterprise (unlimited, on-premise available) — see full pricing
API key on signup. Free test environment on every plan. No card required.
Customer Stories
Teams that stopped document fraud
Compliance, finance, and risk teams use HTPBE? to catch manipulated PDFs before they become costly mistakes.
Caught an invoice where the total had been changed by less than a thousand dollars. Without this I would have approved it without a second look.
Sarah M.
AP Manager
United States
We had three applicants in the same week with bank statements that looked completely fine. Two of them were flagged as modified. You simply cannot see this by reading the document — it is in the file structure.
Lars V.
Risk Analyst, Online Lending
Netherlands
Salary slips were coming with altered figures. We identified two problematic files before the placement was finalised.
Priya K.
HR Operations Lead
India
Since we started checking documents this way, we stopped two applications early in the process that would have been very difficult to reverse later.
Julien R.
Fraud Analyst, Fintech
France
Some applicants were sending PDFs that looked authentic but had been edited in ways not visible to the eye. We now ask for checked originals when something is flagged. Already saved us from a few bad decisions.
Marta S.
Compliance Coordinator
Spain
One invoice was caught because there was a mismatch between the document dates and structure. That particular case would have cost us significantly.
Tariq A.
Finance Manager
United Arab Emirates
FAQ
Frequently asked questions
Does HTPBE? cover AU-specific document patterns?
How do you compare on price?
Can HTPBE? run on-premise or in an AU-region environment for compliance?
Can we evaluate before committing?
Secure your workflow
Create your account — API key on signup, free test environment on every plan.
From $15/mo. No sales call. Cancel any time.