THE SHORT VERSION
Only send money to people you know and have checked. Once you send it, it’s hard to get back. If a friend asks for money unexpectedly, reach them another way first.
A familiar situation
Imagine a message from a friend’s account asks you to send money quickly through an app. The name and photo look right. Their account could have been taken over, so the request alone doesn’t confirm it’s them.
1. Check who you’re paying
Send money only to people you’ve verified, and confirm the recipient’s details before you tap send. The FTC notes it’s hard to get money back once it’s sent.
2. Say no to fees for prizes
Don’t send a payment to claim a prize or sweepstakes. Scammers often ask for “fees” this way. If someone you know asks for money out of the blue, call or message them through a contact you already have.
3. Lock the app and report problems
Protect the app with multi-factor sign-in or a PIN, and never share your login with someone who contacts you. If you were scammed, use the app’s own help or support section, then report it at ReportFraud.ftc.gov.
One thing to try today
Open your payment app’s settings and find where its security options and help center are. Knowing where they are makes it easier to act quickly later.
Read more from trusted sources
General educational guidance. If you believe someone has stolen your information or money, use the official recovery guidance at IdentityTheft.gov or ReportFraud.ftc.gov.
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