Supported document type
Detect tampered and deepfake Payment Summary Schedule Report
A payment summary schedule report is the lender's own record of a construction project: every budget line, what has been paid against it, and what is left. Forgery here is quiet. Someone with edit access lowers a balance, lifts a percentage, or nudges a grand total so the next draw looks justified. Because the report is system generated and every column follows from the others, an edited figure either breaks the arithmetic or sits in a font that was never printed by the system.
API slug: payment_summary_schedule_report
What a genuine payment summary schedule report contains
The page opens with the control agent's letterhead, the report title, and an as-of date, then a job block naming the job number, project address, owner, and contractor. The body is a table with one row per budget item: original budget, budget transfer, revised budget, previously paid, current amount, total drawn, balance, and percent disbursed. A totals banner repeats at the top of each page and closes the report.
Every figure on a row is derived from its neighbours. Revised budget is original plus transfer, total drawn is previously paid plus the current amount, balance is revised minus drawn, and percent disbursed is drawn over revised. Transfers are the exception that is normal: negative amounts in red move money between trades, and across the whole budget they net to the single transfer total in the banner. A footer carries the print time and the name of the user who ran it.
How payment summary schedule report forgeries are made
Balance and percent smoothing
A line that is behind schedule has its balance or percent disbursed edited so it reads as further along. The row stops reconciling, unless the paid columns were rewritten too, and the replaced digits rarely share rendering with the column beside them.
Grand total adjustment
Only the banner is changed, on the assumption nobody re-adds every row. The banner repeats the grand total on each page, so summing the rows across the whole report exposes it, and a banner that differs between pages is a finding on its own.
Transfer laundering
Budget is moved out of a nearly finished trade into contingency or fees on paper, without a matching entry on the other side. Transfers that do not net to the stated total are the trace.
Header and party swaps
The job number, contractor, or owner is changed so a genuine report for one project is presented against another loan. The block disagrees with the draw request and the title file even when the table is untouched.
What TamperCheck checks on a payment summary schedule report
TamperCheck runs 200+ forensic checks across three layers and returns a risk score from 0 to 100 with plain-English findings tied to specific regions of the document. These three carry the most weight on this document class.
Arithmetic reconciliation
Stated totals are recomputed from their components, and running or cumulative figures are checked for continuity across periods. A single edited value breaks the chain even when the page still looks right.
Table structure integrity
Inserted and deleted rows leave structural artifacts behind: inconsistent spacing, misaligned columns, and formatting the visible table no longer accounts for.
Date and validity consistency
Issue, expiry, and period dates are checked against one another and against the file's own creation metadata, which catches backdating and validity extension.
And many more checks
The three above are the layers that carry the most weight on a payment summary schedule report. Every upload runs the full suite of 200+ checks regardless of document class, spanning file structure and metadata, pixel-level forensics, font and text rendering, optical and print characteristics, provenance signals, AI-generation signatures, and many more checks.
Who verifies a payment summary schedule report, and why
Construction lenders, title and escrow control agents, and project owners approving loan draws. In each case the document is being used to unlock money, access, or a legal status, which is exactly what makes it worth forging.
How to verify a payment summary schedule report in 4 steps
Check the fields against each other
Read total drawn and balance, revised budget after transfers, and percent disbursed together rather than one at a time. Forgers typically change one value and leave the rest of the document describing the original.
Inspect the file metadata
Open the document properties and look at the producer, creation date, and modification date. A document produced by a consumer PDF editor, or created long after the date printed on its face, is worth a closer look.
Ask for a second document
Request a corroborating document from the same issuer or an adjacent period. Forgery effort concentrates on one file, so inconsistencies surface as soon as there are two to compare.
Run a forensic check
Manual review catches obvious edits but not field-level pixel manipulation or synthetic generation. TamperCheck runs 200+ forensic checks on a payment summary schedule report and returns a risk score from 0 to 100 in about a minute, at $0.50 per document.
Frequently asked questions
How do lenders verify a construction payment summary schedule report?
They confirm it reconciles with itself, then with the file. Each row's arithmetic must hold, the columns must sum to the banner, and the job details must match the loan agreement and the latest draw request. A forensic pass then checks whether any figure was rendered separately from the rest of the page.
Can a construction disbursement report be edited?
Yes, as a PDF like any other. The report is text, so an editor can change a balance in seconds. What editing cannot easily do is keep every dependent figure consistent and preserve the font metrics and compression of a system print, which is where detection works.
What does a negative budget transfer mean?
It moves budget out of a line into another one, usually when a trade came in under its allowance. Negative transfers are routine and not suspicious by themselves. What matters is that all transfers net to the reported total and that the receiving lines show the matching increase.
Is the percent disbursed figure enough to judge project progress?
No. It measures money paid, not work completed. A high percentage with a large balance on labour-heavy trades can mean prepayment, so lenders compare it with inspection reports and lien waivers. For fraud review, the question is only whether the figure still equals drawn divided by revised budget.
TamperCheck analyses payment summary schedule report uploads with a hybrid forensic and AI pipeline tuned for this document class. Upload endpoints accept PDF and common image formats; class is inferred automatically. See the API documentation for authentication, async jobs, and webhooks.