Zelle、Venmo、Cash App 和 PayPal 等點對點支付 (P2P) 平臺讓人們能夠輕松快速地向彼此和企業(yè)轉(zhuǎn)賬。然而，與許多其他支付方式一樣，這些平臺及其用戶也容易受到欺詐。最糟糕的是，許多被騙的用戶一旦誤將錢款發(fā)送給欺詐者，將無法取回他們的錢。

您可以采取以下步驟來幫助防止 P2P 支付欺詐：

1. 研究賣家：

   匯款前，請檢查賣家的評論或反饋（如果有）。避免與有負面評論或可疑的賣家進行交易。

2. 避免使用“親友”選項：

   在某些平臺（如 PayPal）上，使用“親友”選項匯款會放棄您的買家保護權(quán)。從陌生人處購買物品時，請務必使用“商品和服務”選項。

3. 記錄一切：

   保留您與賣家溝通的記錄，包括截圖、描述、價格和任何其他相關(guān)詳細信息。

4. 確認送貨方式：

   確保您對購買的商品的送貨方式有明確的協(xié)議，尤其是當商品是實物時。如果可能，請選擇可追蹤的送貨方式，并在送貨時要求簽名。

在使用 P2P 平臺購買商品或服務時，請務必小心謹慎，做好研究，并使用 P2P 平臺內(nèi)置的保護措施。

以下是經(jīng)常發(fā)生的情況：

• 個人將收到銀行發(fā)出的看似欺詐警報的信息。如果他們回應此消息，則冒充銀行代表的騙子會與他們聯(lián)系。

• 詐騙者會告訴受害者，他們需要向自己付款才能阻止欺詐，并要求提供一次性使用的代碼來幫助啟動該流程。

• 詐騙者使用此一次性代碼將其銀行賬戶附加到受害者的 P2P 支付檔案，從而攔截受騙受害者的付款。

請記住，您的銀行絕不會打電話向您索要一次性使用的代碼，并且“自行付款”并不是解決或防止欺詐的方法。

如何知道是否有人在 P2P 平臺上詐騙你

識別潛在詐騙的跡象是保護您在點對點平臺上的交易的關(guān)鍵。

以下是有人試圖欺騙您的一些跡象：

• 施壓策略：

  警惕催促您付款的人。詐騙者通常會營造一種緊迫感，堅稱由于限時優(yōu)惠或突發(fā)緊急情況，必須立即付款。

• Vague or Incomplete Profiles:If a user's profile lacks a photo, has recently been established, and/or provides minimal personal information, it should make you skeptical and prompt more investigation on your part.

• Too-Good-to-Be-True Offers:Exceptionally low prices or offers that seem too generous may be bait to lure unsuspecting victims.

• Request for Advance Payments:Scammers may ask for upfront payments for goods or services and then vanish once they receive the money.

• Inconsistent Stories:If the reason for the transaction keeps changing or doesn't seem to add up, take that as a warning sign.

• Unusual Payment Requests:If someone asks for payment in the form of gift cards or through multiple small transactions, it's a significant red flag

How to Help Protect Yourself

Here are some strategies to help protect yourself from falling victim to a P2P scam:

• Slow Down and ask Questions.Never be rushed into making a payment. Urgency is a tactic scammers use to steal money before the victim has time to think through. Take your time, and ask all of the necessary questions. If you detect suspicious activity, report the seller to the online marketplace or platform where you found them.

• Resist Pressure.Don't allow yourself to be bullied or pressured. Assert your right to take your time, and don't be afraid to walk away from a deal that doesn't feel right.

• Research the Seller or Buyer.Before engaging in a transaction, look into the profile of the person you're dealing with. Check reviews, ratings, and any feedback they might have received from other users.

• Secure Your Account.Regularly update your passwords and enable two-factor authentication if the payment platform offers it. This adds an additional layer of security to your account.

• Never Share Sensitive Information.Your PIN, password, security codes and other such details should remain confidential. No legitimate transaction will require that you share this information with the other party.

• Verify Before Paying.If a deal involves goods or services, ensure that you have a clear understanding of what you're getting. It might even be worth it to ask for photos or additional verification for high-value items.

• Report Suspicious Activity.If you detect any suspicious behavior, immediately report the seller or buyer to the online marketplace or platform. It not only protects you but also helps the community by flagging potential threats.

What to Do If You Have Been a Victim?

If you've fallen victim to a scam on a P2P platform, follow these steps immediately:

1. Notify the P2P Platform:Reach out to their customer support or help center and report the suspicious transaction.

2. 聯(lián)系您的銀行：

   將任何未經(jīng)授權(quán)的交易告知您的金融機構(gòu)。他們可以指導您采取下一步措施，包括標記交易，甚至暫時凍結(jié)您的賬戶以確保安全。

3. 提出投訴：

   向負責追蹤和調(diào)查網(wǎng)絡犯罪的 FBI 互聯(lián)網(wǎng)犯罪投訴中心報告該事件。

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