Fake transfer alert
A buyer sends a doctored transfer alert or screenshot to pressure a seller into releasing goods before the money arrives.
Structured social caption
Fake transfer alert: A buyer sends a doctored transfer alert or screenshot to pressure a seller into releasing goods before the money arrives. Receipts are not settlement. Check your own account before goods or refunds move.
Payment diversion
Fake transfer alert
A buyer sends a doctored transfer alert or screenshot to pressure a seller into releasing goods before the money arrives.
Red flags
What to do now
Confirm the credit in your own banking app or USSD channel before release. Preserve the screenshot, chat, and phone number for review.
What happened
The scammer presents a fake or edited payment confirmation and uses urgency to obtain goods, refunds, or services before a real credit lands.
How it works
Fake alert templates imitate bank sender names and transaction wording, but the merchant account never receives the funds.
Red flags
- The alert arrives as a screenshot instead of in your own banking channel.
- The buyer claims network delays while demanding immediate release.
- The reference number cannot be confirmed in your bank app.
What to do now
Confirm the credit in your own banking app or USSD channel before release. Preserve the screenshot, chat, and phone number for review.
What not to do
Do not release goods, issue refunds, or pay delivery charges because another person shows you a receipt.
Evidence notes
- Fake alerts often reuse the same wording across multiple merchants.