无论您是想开展在线业务还是想进行安全的在线购物，PayPal无疑是最安全、最方便的平台之一。自成立以来，PayPal一直是事实上的在线汇款/收款方式。尽管PayPal是一项非常可靠的服务，但诈骗者仍然设法发现漏洞并使用廉价手段躲避PayPal的反诈骗防御。
让我们面对现实吧，确实会发生PayPal诈骗，如果您经常使用该平台进行在线交易，诈骗者应该会欺骗您。通过此博客，我们旨在让您注意到诈骗者在PayPal上欺骗人们的几种方式，以及如何避免PayPal诈骗。
避免贝宝诈骗
犯罪分子固执己见，但您可以通过积极主动并知道要注意什么来避免落入他们的骗局陷阱。请注意这些最常见的PayPal诈骗。
- 预付费用欺诈
- 电子邮件诈骗
- 显示名称欺骗
- 假慈善
- 多付诈骗
- 航运诈骗
- 就业骗局。
让我们详细看看所有这些PayPal骗局：
1] 预付费欺诈：(1] Advance Fee Fraud:)
作为人类，我们对街上的陌生人非常谨慎，可悲的是，在网络世界中，我们并没有那么谨慎。最常见的PayPal诈骗用户之一应该警惕的是“预付费用欺诈”。在这里，欺诈者会要求您在转移您的数百万美元之前发送一些较小的金额（用于法律文件、税款等）——事实上，这些不可抗拒的优惠是骗局。
在这里，您可能会收到一封主题行全部大写(ALL CAPS)的电子邮件，声称您赢得了遗产。当您打开此类电子邮件时，您可能会发现一封来自高级政治职位的人的正式信函，告诉您由于某些网络钓鱼原因，您收到了巨额资金。接下来发生什么？您被要求提供一些明确打开沟通渠道的基本信息。最终，骗局成功收集了您的个人信息，可用于身份欺诈，同时还从受害者那里骗取钱财。
如何避免(How to avoid)——不要把钱给你不认识的人。合法的奖品不需要您支付一笔款项即可获得。
2] 电子邮件诈骗–“您的帐户即将被暂停”或“您的帐户有问题”：(2] Email Scam – “Your Account Is About To Be Suspended” Or “Problem With Your Account”:)
另一个PayPal骗局以电子邮件的形式出现；许多诈骗者发送恶作剧电子邮件警告，表明帐户即将被暂停，或者帐户存在问题。帐户持有人被诱骗打开电子邮件并单击将他们定向到网络钓鱼网站的链接。此外，受害者应在欺骗网页中输入其PayPal帐户密码。
如何避免(How to avoid)-除非您在他们的登录页面上，否则PayPal永远不会要求您输入您的登录详细信息。通过将任何可疑电子邮件直接转发到[email protected]来报告(Report)任何可疑电子邮件。此外，经常更改密码也是一个好主意。
3]显示名称欺骗：(3] Display Name Spoofing:)
也称为“友好名称”诈骗，欺诈者利用电子邮件系统的一项功能，让发件人的显示名称隐藏在“友好名称”后面，这使其看起来非常真实。秘籍可以很容易地伪造发件人电子邮件地址中的“友好名称”。例如，一封电子邮件可能看起来像是来自“PayPal Services ”，但来自[email protected]。
如何避免(How to avoid)–打开(Open)可疑电子邮件，但切勿(NEVER)单击电子邮件中的任何链接。此外，将鼠标悬停在电子邮件中的显示名称上将显示真实的电子邮件地址，以便您了解它是否是骗局。
4] 假慈善：(4] Fake Charities:)
欺诈者也倾向于玩弄受害者的情绪；在少数情况下，这可能包括诱骗好心人向虚假慈善机构捐款。在难民危机、恐怖袭击或自然灾害（如地震、洪水或饥荒）之后，许多假慈善机构不知从何而来。在此类欺诈事件中，这些慈善机构可能有一个虚假网站，或者他们只是通过网络发送信息——最终要求受害者通过他们的PayPal账户付款。
如何避免(How to avoid)- 在进行任何捐赠之前，请检查慈善机构的背景。为了验证慈善机构，PayPal本身建议使用以下网站之一：
- http://www.charitynavigator.org
- http://www.bbb.org/us/charity
- http://www.charitywatch.org
请注意，如果您无法通过这些选项中的任何一个来验证慈善机构，那么它应该是假的。
5] 多付诈骗：(5] Overpayment Scam:)
PayPal供应商应该关注这个骗局。这里会发生什么？
- 供应商向个人/企业销售产品/服务
- 买家付款但汇款更多
- 然后买方要求卖方退还差价
但这里的问题是，这一次买家想要退款到另一个账户。
如何避免(How to avoid)——合法买家绝不会为您的订单多付钱。如果客户多付了您并要求退还差价，请考虑取消订单并且不要发货。而且，永远不要将钱退回到其他账户。
6]航运诈骗：(6] Shipping Scams:)
运输诈骗以两种方式发生，服务诈骗和地址诈骗。
- 航运服务诈骗：(Shipping Service Scams:)
买家可以要求您使用特定的运输服务。他们可以声称他们有一个更可靠的首选供应商，或者他们可以获得折扣。可以肯定的是，他们可以轻松地联系运输公司并将订单重新发送到另一个地址，然后投诉未在原始地址收到物品。
如何避免(How to avoid)：仅使用您的运输帐户，并在运输产品之前查看并验证买家的地址。
- 送货地址诈骗：(Shipping Address Scams:)
在这里，骗子会诱使您将货物发送到与PayPal(PayPal)注册地址不同的地址。他们将通过他们的PayPal帐户付款，但需要将物品运送到不同的地址。一旦物品交付，这些骗子就会提出他们从未收到过产品的争议。
贝宝安全指南清楚地提到，您永远不应该将物品运送到在(PayPal)贝宝(PayPal)上注册的地址以外的地址。对于未送达买家PayPal账户注册地址的商品，本平台不承担任何责任。现在，即使您提供发货确认收据，PayPal也不会做任何事情。
如何避免(How to avoid)-切勿将物品运送到在(Never)PayPal上注册的地址以外的地址。
7] 就业骗局：(Employment Scam:)
当有人邀请您成为他们的合作伙伴或员工时，就会发生这种情况。他们要求您在 eBay 或网站上交易产品，向他们的供应商付款，并将您的PayPal帐户地址更新为他们的地址。此类欺诈者可以进行欺诈性交易并追究您的责任。
如何避免(How to avoid)——首先(First)，核实此类供应商。切勿(Never)代表您不认识的人付款，也切勿将您的PayPal帐户地址更新为其他人的地址。
阅读(Read)：如何为 PayPal 付款创建个人 URL。
检测虚假 PayPal 电子邮件
虽然上述PayPal骗局是最常见的骗局，但您必须知道，世界各地经常使用大量虚假电子邮件来欺骗用户。今天，欺诈者可以通过数百种方式使用虚假电子邮件来欺骗人们。但是遵循基本的电子邮件诈骗预防规则可以帮助预防这些躲闪。以下(Below)是一些有助于检测虚假PayPal电子邮件诈骗的线索：
- 来自PayPal(PayPal)的电子邮件将始终来自 paypal.com，而不是[email protected]
- 网络钓鱼电子邮件会要求提供机密信息，例如银行详细信息、PayPal登录详细信息、全名、您的安全问题答案以及其他可被利用的类似信息。
- PayPal电子邮件绝不会包含附件，也绝不会要求您安装或下载任何内容。
- PayPal电子邮件将始终使用您的名字和姓氏或您的公司名称来称呼您。
- 诈骗(Scam)电子邮件内容会产生紧迫感。例如，“立即点击获取 100 美元优惠券”或“我们注意到您的帐户中有可疑活动，请点击下面的链接进行确认”。
始终确保您的电子邮件垃圾邮件过滤器已打开，这会自动将来自未知来源的电子邮件放入垃圾/垃圾邮件文件夹。此外，当您收到来自任何可疑电子邮件的电子邮件时，立即将它们添加到您的阻止发件人列表中。
最后的话(Last Words)
如果发生欺诈，您最好的选择是直接联系PayPal.com。PayPal为所有使用其服务的买家和卖家提供欺诈保护。如果您认为您的交易不匹配或存在任何欺诈活动，请在 60 天内向PayPal报告。(PayPal)公司将调查问题并核实信息。
即使您不经常使用它，跟踪您的PayPal帐户也非常重要。(PayPal)偶尔安全登录(Log in securely)并检查您的付款历史；还要确保您创建了一个非常强大的密码以帮助保护您的帐户。尽管PayPal是Internet上最受信任的支付服务，但仍有一些方法可以绕过其安全性，从而导致违规。
现在您既然知道了这些骗子的运作方式以及他们使用的技巧 - 请小心！
说到诈骗，其中一些链接肯定会让您感兴趣：(Speaking of scams, some of these links are sure to interest you:)
- 避免在线诈骗并知道何时信任网站(Avoid online scams and know when to trust a website)
- 避免贝宝诈骗(Avoid PayPal Scams)
- 避免在线购物欺诈和假日季节诈骗(Avoid Online Shopping Fraud & Holiday Season Scams)
- 谨防虚假的在线就业和工作诈骗(Beware of Fake Online Employment and Job Scams)
- 避免在线技术支持诈骗和 PC 清理解决方案(Avoid Online Tech Support Scams and PC Cleanup Solutions)
- 避免网络钓鱼诈骗和攻击(Avoid Phishing Scams And Attacks)
- 信用卡略读和密码盗窃欺诈(Credit Card Skimming and Pin Theft Fraud)
- 在线税务诈骗和欺诈
- 避免 Vishing 和 Smishing 诈骗
- 避免欺诈性使用 Microsoft 名称的诈骗(Avoid scams that fraudulently use the Microsoft name)
- 避免网络鲶鱼社会工程诈骗。(Avoid Internet Catfishing Social Engineering Scams.)
How to detect and avoid PayPal Scams
Whether you want to kick-start an online business or want to do safe online shopping, PayPal unquestionably is one of the most secure and convenient platforms. Since its inception, PayPal has endured being the de-facto ways to send/receive money online. Although PayPal is a very dependable service, scammers still manage to spot the loopholes and escape roads to dodge PayPal’s anti-scam defenses using cheap tricks.
Let’s face it, PayPal scams do occur, and scammers ought to trick you if you regularly use this platform for online transactions. With this blog, we aim to bring into your notice a few ways scammers cheat people on PayPal and how you can avoid PayPal scams.
Avoid PayPal Scams
Criminals are obstinate, but you can avoid falling into their scam traps by being proactive and knowing what to watch out for. Be aware of these most common PayPal scams.
- Advance Fee Fraud
- Email Scam
- Display Name Spoofing
- Fake Charities
- Overpayment Scam
- Shipping Scams
- Employment Scam.
Let’s look at all these PayPal scams in detail:
1] Advance Fee Fraud:
As humans, we are very cautious about strangers on the street, sadly in the online world, we aren’t that cautious. One of the most common PayPal scam users should be cagy of is ‘Advanced Fee Fraud’. Here fraudsters will request you to send some smaller amount (for legal documentation, taxes, etc.) before they can transfer your millions – The truth, these irresistible offers are scams.
Here you may receive an email with a subject line in ALL CAPS claiming you’ve won a legacy. When you open such emails, you may find an official letter from someone in a high political position telling you that you’re due to an insane amount of money for some phishing reason. What happens next? You are asked to provide some basic information which explicitly opens up the lines of communication. Ultimately, the scam successfully collects your personal information can be used in identity fraud, while also grifting money from victims.
How to avoid – Don’t rope money to someone you don’t know. A legitimate prize won’t require you to pay a sum to receive it.
2] Email Scam – “Your Account Is About To Be Suspended” Or “Problem With Your Account”:
Another PayPal scam comes in the form of emails; many scammers send hoaxed emails warning indicating an account is about to be suspended, or there is some issue with the account. The account holder is tricked into opening the email and clicking on a link which directs them to a phishing website. Furthermore, the victim should enter their PayPal account password in the spoofed webpage.
How to avoid – PayPal is never going to ask you to enter your login details unless you on their login page. Report any suspect email by forwarding it straight to [email protected] Also, it’s a good idea to change your password frequently.
3] Display Name Spoofing:
Also known as “friendly name” scams, fraudsters utilize a feature of the email systems which lets the sender’s display name to hide behind a “friendly name”, this makes it looks very genuine. Cheats can easily fake the “friendly name” in the sender’s email address. For example, an email can look like coming from “PayPal Services,” but be from [email protected].
How to avoid – Open the suspected email, but NEVER click any links in the email. Also, hovering over the display name in the email will display the real email address so you get to know if its hoax.
4] Fake Charities:
Fraudsters tend to play with victims’ emotions too; in a few cases, these can include tricking kind-hearted people into donating to bogus charities. Many fake charities pop up from nowhere following occasions of a refugee crisis, a terrorist attack or a natural disaster (like an earthquake, flooding or famine). In such fraud events, these charities may have a fake website, or they simply send information over the web – ultimately ask victims to pay through their PayPal accounts.
How to avoid – Before making any donations, check the background of the charity. For verifying charities, PayPal itself recommends using one of the following websites:
- http://www.charitynavigator.org
- http://www.bbb.org/us/charity
- http://www.charitywatch.org
Note if you cannot verify the charity through any of these options, it is expected to be fake.
5] Overpayment Scam:
PayPal vendors should be concerned about this scam. What happens here?
- The vendor sells a product/service to an individual/business
- The buyer makes a payment but sends more money
- The buyer then requests the vendor to return the difference
But the catch here is that this time the buyer wants the refund to a different account.
How to avoid – A legitimate buyer will never overpay you for an order. If a customer overpays you and asks for a refund for the difference, consider canceling the order and do not ship the product. And, never return the money to a different account.
6] Shipping Scams:
The shipping scams occur in two way, service scam and address scam.
The buyer can ask you to use a specific shipping service. They can claim that they have a preferred vendor who is more reliable or they can get a discount. In all certainties, they can easily contact the shipping company and reroute the order to another address and later file a complaint about not receiving the item at the original address.
How to avoid: Use only your shipping account and review and validate the buyers’ address before shipping the product.
Here the scammer tempts you to make a delivery to a different address other than the registered one with PayPal. They will make the payment through their PayPal account, but the item needs to be delivered to a different address. Once the item is delivered, these scammers will open a dispute that they never received the product.
PayPal security guidelines mention clearly that you should never deliver an item to an address other than the one it is registered with on PayPal. This platform takes no responsibility for the delivery of goods which have not been delivered to the address registered with the buyer’s PayPal account. Now even if you provide shipping confirmation receipt, PayPal will not do anything about it.
How to avoid – Never deliver an item to an address other than the one it is registered with on PayPal.
7] Employment Scam:
This occurs when someone offers you to be their partner or employee. They ask you to trade products on eBay or a website, pay their supplier, and update your PayPal account address to their address. Such fraudsters can conduct fraudulent transactions and hold you liable.
How to avoid – First thing, verify such suppliers. Never pay on behalf of someone you don’t know and never update your PayPal account address to someone else’s.
Read: How to create a personal URL for PayPal payments.
Detect Fake PayPal Emails
While the above-mentioned PayPal scams are the most common ones, you must know that numerous fake emails are being frequently used to cheat users worldwide. Today there are hundreds of ways fraudsters can use fake emails to cheat people. But following a basic email scam prevention rules can help in the prevention of these dodges. Below are some clues that can help detect fake PayPal email scams:
- An email from PayPal will always come from paypal.com and not [email protected]
- Phishing emails will ask for confidential information, like bank details, PayPal login details, full name, your security question’s answer, and other similar information which can be exploited.
- PayPal emails will never contain attachments and will never ask you to install or download anything.
- PayPal emails will always address you by your first and last names, or your business name.
- Scam email content creates a sense of urgency. For example, “Click now to get $100 coupon” or “We have noticed wary activity in your account, click the link below to confirm”.
Always make sure your email spam filters are turned on, this will automatically put emails from unknown sources into junk/spam folders. Also, when you receive emails from any suspicious emails instantly add them to your block senders list.
Last Words
In the case of fraud, your best option is to contact PayPal.com directly. PayPal offers fraud protection for all buyers and sellers who utilize their service. If you believe a mismatch in your transaction or any fraudulent activity, report to PayPal within 60 days. The company will investigate the issue and verify the information.
It is also very important that you keep track of your PayPal account, even if you don’t use it that often. Log in securely once a while and check the history of your payments; also make sure you create a very strong password to help secure your account. Even though PayPal is the most trusted payment service on the Internet, there are ways around its security which can lead to a breach.
Now you since you know how these scammers operate and the tricks they use – Be careful!
Speaking of scams, some of these links are sure to interest you:
- Avoid online scams and know when to trust a website
- Avoid PayPal Scams
- Avoid Online Shopping Fraud & Holiday Season Scams
- Beware of Fake Online Employment and Job Scams
- Avoid Online Tech Support Scams and PC Cleanup Solutions
- Avoid Phishing Scams And Attacks
- Credit Card Skimming and Pin Theft Fraud
- Online Tax Scams & Frauds
- Avoid Vishing and Smishing Scams
- Avoid scams that fraudulently use the Microsoft name
- Avoid Internet Catfishing Social Engineering Scams.
