Friday, 15 November 2013

How Merchants Avoid Payza Scams

It is well known that there are all kinds of cyber threats attacking the online community, putting our information at risk. It can be scary when we realize that these threats are right under our noses. When you spend time online, doing activities like shopping or online banking, you have to be extremely cautious. The digital world is a very dangerous place for the uninitiated, especially for someone running and online business.

As an online business owner using a digital payment processor, it is essential that you take every precaution possible; that is, if you want to protect your business, and more importantly, the customers that keep you in business. It is their personal and financial information, after all, that keeps your company going. Online scams, for instance, can trick your clients into giving away their private information, therefore putting them at risk for fraud and identity theft. Thus, it is crucial that you take all necessary precautions in order to protect their security.

If you use Payza's services in particular, there are a few things that, as a merchant, you can do to decrease the risk of Payza-specific scams (known as "Payza Scams") from harming you, your business or customers.

Know What’s Going on Around You

To make sure you are properly safeguarding against any potential Payza scams, you need to know what is happening with your business online. Being up to date on potential threats or scams that can reach you and your customers is an important part of this. You need to act as a watchdog, being very observant when it comes to details. You should be patrolling the Internet daily, and if you notice anything odd or different (spelling errors, e-mail or webpages asking you for unusual information, a lock or "https" in the address bar, etc), you should act immediately. Paying attention to the little things may help you have a big save down the road.

Keep Updating

As a merchant, it is your job to make certain that the tools you use to conduct business, like computers, software or even Payza's payment gateway, are all up to date. Threats are easier to seep through the cracks when software is not updated - and if a scam does break through your system, it is then possible that it can break through another, and another, until it reaches confidential information. Thus it is crucial that your company's tools are always running their most current versions, because otherwise they will be more susceptible to possible Payza scams.


Even after taking all preventative measures, scams are still waiting on the Internet. If you hear of any Payza scams that may be harmful to your business and customers, it is important that you inform them immediately. You need to explain that there is currently a threat that they should keep an eye out for. Providing clients with this information is a valuable service that will increase vigilance and prevent further scams from breaking through your safeguarding measures. Informing everyone that could be affected by a threat, include Payza itself, is the first step in defeating a Payza scam.

Remember, staying vigilant against Payza scams will allow you and your customers to have a safer and easier Payza platform experience.

Resource Box

There are plenty of ways to watch out for any online scams and ultimately avoid them. To learn more about Payza scams and how to prevent them, visit the Payza Scam Prevention Center or the Payza blog for more information!

Wednesday, 23 October 2013

How to Weed Out Payza Scams

Since online is where we manage a lot of our responsibilities, whether it is running a business or dealing with our finances, shopping online or sending money, we need to trust that the online forum we are dealing with is secure. The internet, however, can be a vulnerable place. With all the scams and potential threats out there, we have to be careful about what sites we use, and be armed with the knowledge to be able to know if something is a harmful. If you are using an online payment provider or an e-wallet provider, such as Payza, you should know how to recognize out possible Payza scams.

Common Payza scams can often show up in fake emails but they can also be in the form of fake websites. Scams, like a Payza scam, can be very deceiving and harm your personal information. Here are some tricks to help you stay vigilant about potential threats hiding under things you see every day. Keeping these tricks in mind will help you protect your information.
  1. Know the Sender

    Since e-mail scams are the most common scams received, it is important to make sure that the sender you are receiving your email from is legitimate. To spot a Payza scam, make sure the sender is authentic and that the email was sent from a address. If you are unsure about who the sender is, then the e-mail could be a fake. It is important to verify that the email you are receiving is from a reliable source.

  2. What does the email say?

    Another detail to keep in mind when it comes to identifying Payza scams sent through an e-mail is to pay attention to what the email says. If it asks you for your information, this could be a red flag. Make sure that the email is not you random information and also that it is not asking you to provide your personal information. It is important to be pay attention to any links that are inside emails as well, because these links may actually be viruses and could harm your computer or allow the fraudulent sender to be able to access your personal information. Another way to spot a Payza scam that can be disguised as an email is to pay attention to who the email is addressed to. Payza always uses your full name when sending emails. If the email is addressed to a general person, such as a "member" and does not state your name, or the name is wrong, the email could be fake.

  3. Pay attention to the details

    Whether you are on a website or looking at an e-mail, it is important to pay attention to the details. In order to avoid a possible Payza scam, make sure that what you are looking at is familiar and not asking you for information it does not usually request. Also, check for grammatical and spelling errors. If there are many on the site you are visiting or in the e-mail you are viewing, you may be looking at a potential threat and not a legitimate Payza website or e-mail. Another way to see if a website is safe, is to look at the address bar on your browser window. A secure website will start the website address with “https” and should have a lock icon beside it. If this is shown, it means the site you are browsing is secure. Payza’s secure website will show in your browser’s address bar.

Other Ways to Stay Safe

Here are some other ways to help you avoid Payza scams by making sure your environment is secure:
  1. Make sure your software is up-to-date

    Keeping your software up-to-date is very important to maintain security for your devices and your information. Updates for anti-virus software help improve the protection the software gives you.

  2. Be careful with your passwords and PINS

    To be safe, do not share your passwords and PINs with anyone. You never know who can gain access to that information and what they will do with it. To protect yourself from potential threats, it is important to keep that information private. Do not leave written records of your passwords out in an easily accessible place, and change your passwords on a regular basis.

  3. Verify requests from senders or websites

    If a website or email requests your information, make sure you know exactly what it is for and where it is coming from. It is important to keep this in mind when doing things online because it may be harmful and pose a threat to your personal information.
If you are unsure if the email you received or the website you are visiting is safe, Payza is always here to help. We make it a top priority to protect our members from any potential Payza scams and are happy to verify and answer any questions you may have.


Protecting yourself from any Payza scams is crucial to be able to enjoy your Payza account to the fullest. Payza is always here to protect you from any potential Payza scams. Visit the Payza blog to read more about how to prevent Payza scam.

Wednesday, 11 September 2013

Payza Scam Prevention: Don't Get Fooled!

A lot of threats are out there, lurking in cyberspace. It’s your job to act responsibly and intelligently in order to keep yourself and your personal information safe. Lucky for you, Payza is here to help. Read this article to learn about Payza scam prevention, how Payza keeps you safe, and what you need to do to make sure your personal financial information doesn’t fall into the wrong hands.

How Payza Protects You

Using Payza is a good way to keep yourself safe while shopping, selling, or sending money online. Because Payza is a leading global payment service provider, trusted around the world, you can send and receive money with the confidence that your personal financial information is never in the wrong hands.

The Payza scam prevention team has a series of procedures to ensure the security of all transactions through the system, such as:

  • Account Verification. Payza has a strict Know Your Customer (KYC) policy to ensure the security of members’ accounts and our network.
  • Website Review. In order to ensure compliance with our User Agreement, all merchants must complete a website review before they can accept payments through Payza.
  • 128-bit SSL Encryption. All transaction data is filtered through an encryption system which hides members’ sensitive personal information
  • Fraud Matrix. A proprietary, state-of-the-art real-time monitoring platform instantly identifies and prevents Payza scams.
  • Resolution Center. If a member has a dispute with a transaction, they can file, respond to and resolve it using the Resolution Center.

How to Protect Yourself

Payza can only go so far. There are many ways that cybercriminals can steal your information and access your money without having to go through our system, so it’s absolutely necessary that you are diligent in your online security practices. That’s why the Payza scam prevention team works so hard to inform the public about the risks that exist out there.

Here are some good practices to follow when shopping online:

  • Watch out for items with delayed shipping. There is more risk involved with items shipped more than 20 days after the payment date.
  • Establish a rapport with the seller. Send emails so that you can get to know the person or business that you'll be dealing with.
  • Purchase from Payza-verified sellers only. We have authenticated their identities and businesses so your shopping experience is as secure as possible.
  • Be wary of high value and popular items. Do some homework to make sure that the seller is legitimate.

If you behave responsibly and intelligently, you will never be at risk of falling victim to a Payza scam.


To learn more, visit the Payza Scam Prevention Center, or learn how to stay safe online on the Payza Blog.

Saturday, 24 August 2013

How to Avoid Craigslist Payza Scams

When shopping for something online, you don’t want to run into any problems. You want to shop around, find a good deal on what you’re looking for, pay and be on your merry way. But sometimes, scamsters are hiding around every corner, waiting for unwitting prey to walk right into their web of deception.

One such scam that has claimed many victims is the Craigslist Payza scam. Since this type of scam is so prevalent, it is important to know what to look for so that you don’t fall victim when shopping or selling online.

There are two versions of this Payza scam:

Version 1: You have a valuable ring that you want to sell on Craigslist, so you post a photo and a description. In a day or two, you receive a reply to your posting from someone who is very interested in buying your ring. They are so interested that they offer to pay even more than the asking price. As you are very excited at the prospect of getting even more money that you asked for, you agree to sell the ring to this person. They give you a P.O. Box where you will send the ring, or an international address. They tell you that they have sent you money via Payza – a credible online payment processor. They give you a transaction number, and tell you that you must submit this number to Payza to claim your money. You send the ring, thinking that you have been paid for it, and contact Payza. However, Payza has no record of this transaction. You have sent your ring to a scammer and will not receive payment for it.

Version 2: You are shopping for a used car on Craigslist. You see an excellent deal on a car that a U.S. soldier has posted. He also posted a sob story: he needs to sell his car so that he can help support his family as he is serving in Afghanistan for 2 years. He is leaving at the end of the month and must sell the car as soon as possible. He is so desperate that he is selling it at a reduced price to attract buyers. You are swept away by this brave soldier’s story that so make an offer, and he agrees. He tells you that you just have to send the money to his P.O. Box, and claim your car from Payza who is holding it for you. He even gives you a transaction number to make the transaction look real.

As audacious as these Payza scams appear, they happen every day, and thousands upon thousands of dollars are lost to scammers this way. But there are some red flags you can look out for to protect yourself and your hard-earned money:

Red Flag #1 – Buyer offers more than the asking price (version 1): This is a guaranteed sign that this is a Payza scam. They are trying to appeal to your desire to make a profit to convince you to send the item without thinking it through. Don’t fall for it.

Red Flag #2 – The Seller has a long sob story to go with his ad (version 2): If they have to tell some long story about why they are selling their item so cheap, then they’re probably trying to appeal to your emotions to put blinders on your sense of reason. Again, don’t fall for it.

Red Flag #3 – They claim that Payza is holding the money/item for you. This is a hallmark of a Payza scam – the buyer or seller tell you that Payza is holding something for you. You just have to submit the transaction number to claim your money or item. But Payza doesn’t work like that. You would receive an email notifying you that someone has sent you money. An account would automatically by opened for you – which you could access through – and you would see the money in your Available Balance. If you can’t see that money in your Payza account, you have not been paid.

When in doubt, you can always contact Payza directly and ask them if you have been paid. But whatever you do, do not send the item until you have been legitimately paid. And if you are looking to buy something, never send the money if they tell you Payza is holding a car or anything else for you.


If you want to learn more about how to protect yourself from Payza scams, visit Payza Blog and read this post about online security.

Friday, 23 August 2013

3 Reasons Why Payza Scam Emails are Dangerous

It's a shame when perfectly credible company names get dragged through the mud thanks to fraudsters. Unfortunately, Payza is one of the companies whose name is often used by unsavoury people for fraudulent purposes. One of the ways that fraudsters get people is through Payza scam emails.

They can show up any time of day, and look just like they are from Payza, with logo and all. However, there are some marked differences between a real Payza email and a scam email. For one, a Payza scam email will come from a different email address than the real thing, such as Only real Payza emails are from [xxxxx]; they would not be from anywhere else.

Also, a Payza scam email might ask the recipient to make changes to their account or provide highly sensitive information by replying to the email or clicking on a link and providing it through a website.
It is important to note that you should never hand over any personal information, including your passwords and PINs, via email, even if the email looks real. If you are unsure, contact Payza through any of their communication channels and verify with them directly.

Now that you know a little bit about what to look for in a scam email, here are a few reasons why these emails can be dangerous:

  1. They can lead to identity theft. Through the clever use of a Payza scam email, a fraudster can be successful at procuring your personal information, such as your address, phone number, full name, date of birth, and more. Fraudsters can then use this information to apply for/use credit cards and lines of credit in your name, even take out loans. They can get this information from you by pretending to be Payza, and can very convincingly explain why you must submit this to them via email. With an alarmist tone and a “requirement to update your personal information in their files”, they can successfully syphon information that you normally would never give out in reply to an email.

  2. They can contain viruses and malicious links. Some Payza scam emails only need to be opened to give your computer a virus that can access your files at any time, capture your usernames and passwords for your various online accounts, and use your computer as part of a large botnet for sending out spam and causing other types of havoc. Some scam emails will lead you to another website where you may be asked to enter personal information. It’s best to check where the email came from before opening it, especially if you are not even awaiting communication from Payza for one reason or another. If the title seems suspicious, you can always contact Payza before opening it to verify if a legitimate email was sent to you in the first place. Just doing this could save you a lot of trouble.

  3. They can empty your bank account. Payza scam emails can also come in the form of a 419 scam. This is scam in which a person sends you an email imploring you to help them out by sending them money, which they claim will be paid back tenfold once they get a major payout of some sort. They might request that you pay them via Payza. However, if you give them money, they might be able to withdraw it to a bank account, and disappear into thin air before you figure out that you have been conned. Falling prey to such a scam can easily drain your bank account.


If you want to learn more about Payza scams and cybercrime, check out this post on site.

Tuesday, 23 July 2013

Shutting Down a Payza Scam

The Citadel Trojan was a major Payza scam that stole over $200 million dollars from people and their financial institutions. But with Payza’s help, authorities in the U.S., U.K., and Vietnam were able to take down the 11 cybercriminals behind the virus, and bring them to justice. Unfortunately, many people sustained damage so that the rest of us could learn some valuable lessons about internet safety. This article also contains some useful safety tips. 

Have you heard of the notorious Citadel Trojan? If you haven’t, you must have been visiting another planet because this Payza scam caused some big waves in the payments and financial industries. The version of the Citadel Trojan discussed in this article was a nasty virus that infiltrated millions of computers around the world, recruiting them into a botnet controlled by 11 cybercriminals. Once a computer has been infiltrated by this virus, the computer’s user would see a mirror of the Payza website whenever they wanted to log in to their account.

However, it actually was not the real website, but a Payza scam website. Rather than see the usual Payza log in page, the user would see another field in which to enter their Transaction PIN. What the user did not know was that they were giving over their username, password and PIN to the cybercriminals behind the Trojan. With this information, they would have access to the user’s funds and personal information. This was identity theft at its most deceitful.

But this Trojan was drawing just too much attention to itself, and eventually got caught. Along with the FBI in the United States and authorities in the United Kingdom and Vietnam, Payza’s own anti-fraud team was able to gather enough intel on the Trojan and help these organizations bring them to justice. After a full investigation, 11 cybercriminals involved in a major worldwide fraud ring that stole over $200 million were arrested and prosecuted for their Payza scam.

Unfortunately, many people were turned into proverbial sacrificial lambs as a result of this Payza scam as lessons can be learned from this incident. In that vein, there are several things you can do to protect yourself from Payza scams like this one, as well as email scams and the like:

  1. Install anti-virus and firewall software on your device, be it a desktop, laptop, tablet or smartphone. There are a lot of free options out there, so find one that offers protection against viruses. They are easy to install, and usually update automatically. Doing this simple task can mean the difference between safety against Trojan infiltration or total vulnerability. AVG is a good free anti-virus software option. You can even download free apps for your tablet and smartphone.

  2. Don’t click on links in emails. This is one of many ways to open up your computer to viruses, and hence to Payza scams like the Citadel Trojan. If you get a legitimate email from Payza, it is important to note that they will never ask you to click on a link to log in to your account. They will provide instructions. This is just safe internet practice.

  3. Don’t open emails from unknown senders. When you receive an email, hover your mouse over the sender to see who sent it. The email address from whence it came should be displayed somewhere on the screen. If you do not recognize the sender, it is best not to open the email at all as this is a good way to give your computer a virus.

  4. Never hand out personal information to solicitors. If someone or an organization solicits information by email such as banking details, passwords, PINs, social insurance/security numbers, addresses, phone numbers, birthdays, and more, do not give them what they are asking for. If you call or email them, and they ask for some of this information to check your identity, that is generally ok, but if they ask for it out of nowhere, and it seems fishy to be doing so, just don’t do it.

If you put these tips to good use, you can protect yourself from a lot of harm caused by potential Payza scams whether they are in the form of a Trojan virus like the Citadel or whether through less sophisticated email phishing schemes. Stay safe and happy browsing!


  •  Learn how to protect yourself from Payza scam, check out Payza signs of a phishing attack.

Thursday, 18 July 2013

3 Ways to Spot a Payza Scam by Email

Scams come in all shapes and sizes, and they can happen anywhere, at any given time. They can happen on the street, in stores, on the bus, in the subway, on vacation, even at home. But one of the sneakiest kinds happens by email. If you are a Payza member or are thinking about becoming one, there is a special type of Payza scam that you should be aware of that cons people every single day.

Payza scams, although sometimes quite sophisticated, can be easy to catch if you know what to look for. To bolster you with a little knowledge, here are three dead giveaways in a Payza scam email that should send you running in the other direction:

1. The email address it came from. 


Did the email actually come from “[department] If the email came from any other email address, then you should not only disregard it, but should delete it immediately. An example of a Payza scam email address that is trying to mimic the real source could look a little like this: or A real Payza email will come directly from and nowhere else.

A word of advice: check the email address, but do not click on any links, and avoid opening the email if you can. Some Payza scam emails may carry viruses that can infiltrate your computer, and give hackers access to your personal information, as well as control over your device.

Some of the less immediately* harmful ones are just asking you to reply with your banking or personal information under the guise of Payza. Either way, ignore and delete. (*These emails are still very harmful if you reply with the requested information; they just may not have viruses attached to them).

2. Grammar and spelling. 


Is the email professionally written, or is it riddled with errors of every kind: spelling, grammar, punctuation, upper and lower case letter issues? If the email just doesn’t sound right, and has any or all of the aforementioned problems, it’s probably best to ignore the email and just delete it as it might be a Payza scam email.

Real Payza emails will be written without typos, spelling and grammatical errors, or punctuation and stylistic problems.

Although this may seem benign to some people, the overuse of exclamation points can be the only red flag you need. If the email title states “URGENT!!! ACTION NEEDED!!!”, there is a high probability that it is totally bogus. Most professional companies will exercise proper use of punctuation

3. What it is asking you to do. 

If an email that appears to be from Payza is asking you to reveal your password, or click on a link to change it (even if the website looks exactly like Payza), or enter your banking and/or personal information either in the email or on a website (again, even if it looks just like the Payza website), it may very well be a Payza scam.

A real Payza email would never request your personal information or password and PIN. If Payza is requesting that you change your password for whatever reason, the email will instruct you to go to the website yourself and change it the usual way, not through a link in the email or by replying with your password to the email.

So, if you have received an email that has all of the above red flags, delete, delete, delete! Payza scam emails can cause some serious damage if you send back or enter any of your personal information, or even just click on a link. It’s better to ignore the email altogether, or call/email Payza directly and ask about it, just to be safe.

Learn more about how to protect yourself from Payza scam and other types of cybercrime, check out Payza signs of a phishing attack.