Payments• 4 min read
Fake Proof of Payment: How Sellers Get Scammed Every Day
'Look, here's the proof of payment.' Don't ship anything until the money is in your account.
Wait for the bank notification, not the SMS
Scammers spoof bank-style SMS easily. Only the official app counts.
Reverse the screenshot
PDF receipts are trivial to edit. Reference number searches expose duplicates.
Instant-pay isn't always instant
Sometimes pending for hours. 'It'll clear' = trust me bro.
Beware overpayment 'refund' scams
Original payment reverses, your refund is real money gone.
The bottom line
Send the proof of payment to ScamGuard on WhatsApp — we verify formatting, reference patterns and known fake templates.