The present invention provides a system, method and apparatus for authenticating calls that is a robust Anti-vishing solution. The present invention can identify Caller ID spoofing, verify dialed number to detect man-in-the middle and verify called party against dialed digits to detect impersonation. This solution can handle calls coming from any phone any where with little impact on user experience. Two separate solutions are tailored for smart phones (communication devices capable of running application software) and traditional phones to reduce the impact to user experience while providing robust verification.