Payment Intelligence helps you think like an auditor, automatically.

We spot what an auditor might question — across every payment outside payroll — before an audit notice ever comes in the mail. No manual review. No year-end scramble. Just a defensible record, built continuously in the background.

Payment Intelligence FindingReview Recommended
Confidence
72% — Moderate Risk
Transaction
Marcus T.
Independent Contractor · 14 payments this year
$4,200.00
March 14, 2025
March retainer
Sole Proprietor Signal
What We Detected

The memo language “retainer” combined with fixed recurring amounts and a sole proprietor filing status creates a pattern consistent with behavioral control under the common law test. This combination is a known audit trigger at the state level.

Risk Factors
Recurring Fixed AmountRetainer LanguageSole Proprietor Filing
Suggested Action
Attach a scope-of-work document to this payment to establish project-based independence and counter behavioral control indicators.
Last analyzed: just now3 signals detected across 14 payments

Four intelligence surfaces. One complete picture.

Vendor & Payee Detection

Identifies payment recipients against known risk profiles, sole proprietor signals, and worker relationship patterns.

Memo Signal Analysis

Scans payment memos for wage language, gift indicators, and documentation gaps that flag during audits.

Accountable Plan Compliance

Reviews reimbursements against IRS accountable plan rules so every dollar has a defensible basis.

Threshold Watch

Tracks cumulative contractor payments and alerts you when filing obligations are approaching — before year-end surprises.

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1

Connect Your Books

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2

Intelligence Runs Automatically

Every payment is analyzed against compliance rules in the background.

3

You Get a Defensible Record

Exportable reports and audit-ready documentation, always current.

Intelligence findings you can actually act on.

Not vague alerts — specific signals with context and next steps.

Payment Intelligence FindingReview Recommended
Riverside Creative Co.Sole Proprietor Signal
$4,200.00March 14, 2025Memo: “March retainer”
Memo language (“retainer”) combined with recurring fixed-amount payments may indicate behavioral control under the common law test.

Add a scope-of-work attachment to this payment record to document independence.

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“We know exactly what triggers a misclassification review — because we've run them.”

Classifi was built by a former Indiana Department of Workforce Development auditor specializing in UI compliance and worker misclassification. Payment Intelligence reflects how real auditors think, not how software developers imagine they do.

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