如何避免 P2P 诈骗？

Zelle、Venmo、Cash App 和 PayPal 等点对点支付 (P2P) 平台让人们能够轻松快速地向彼此和企业转账。然而，与许多其他支付方式一样，这些平台及其用户也容易受到欺诈。最糟糕的是，许多被骗的用户一旦误将钱款发送给欺诈者，将无法取回他们的钱。

您可以采取以下步骤来帮助防止 P2P 支付欺诈：

1. 研究卖家：

   汇款前，请检查卖家的评论或反馈（如果有）。避免与有负面评论或可疑的卖家进行交易。

2. 避免使用“亲友”选项：

   在某些平台（如 PayPal）上，使用“亲友”选项汇款会放弃您的买家保护权。从陌生人处购买物品时，请务必使用“商品和服务”选项。

3. 记录一切：

   保留您与卖家沟通的记录，包括截图、描述、价格和任何其他相关详细信息。

4. 确认送货方式：

   确保您对购买的商品的送货方式有明确的协议，尤其是当商品是实物时。如果可能，请选择可追踪的送货方式，并在送货时要求签名。

在使用 P2P 平台购买商品或服务时，请务必小心谨慎，做好研究，并使用 P2P 平台内置的保护措施。

以下是经常发生的情况：

• 个人将收到银行发出的看似欺诈警报的信息。如果他们回应此消息，则冒充银行代表的骗子会与他们联系。

• 诈骗者会告诉受害者，他们需要向自己付款才能阻止欺诈，并要求提供一次性使用的代码来帮助启动该流程。

• 诈骗者使用此一次性代码将其银行账户附加到受害者的 P2P 支付档案，从而拦截受骗受害者的付款。

请记住，您的银行绝不会打电话向您索要一次性使用的代码，并且“自行付款”并不是解决或防止欺诈的方法。

如何知道是否有人在 P2P 平台上诈骗你

识别潜在诈骗的迹象是保护您在点对点平台上的交易的关键。

以下是有人试图欺骗您的一些迹象：

• 施压策略：

  警惕催促您付款的人。诈骗者通常会营造一种紧迫感，坚称由于限时优惠或突发紧急情况，必须立即付款。

• 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. 联系您的银行：

   将任何未经授权的交易告知您的金融机构。他们可以指导您采取下一步措施，包括标记交易，甚至暂时冻结您的账户以确保安全。

3. 提出投诉：

   向负责追踪和调查网络犯罪的 FBI 互联网犯罪投诉中心报告该事件。

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