Various types of scams involving Pix have been multiplying, such as the fake customer service center scam. A Datafolha survey has shown the high number of financial frauds currently being committed in Brazil. Recently, a new type of scam was discovered that involves the use of fake banking apps to deceive merchants.
How does the scam work?
The scam relies on a fake app that simulates different banking apps. This type of program has spread among criminal groups and is sold online to ill-intentioned individuals. At first glance, everything seems normal: a customer makes a purchase at a store and, when it’s time to pay, chooses the Pix method.
The merchant then provides the key or QR code for the transfer, and the fake customer opens their phone to make the payment. However, the scammer opens the fake app, which only simulates the banking app. They go through all the usual steps, filling in the information, amount, and even the necessary password to confirm the Pix.
At least on the surface, the Pix payment appears to be completed. The phone screen shows the process as completed and the receipt available, with all the correct details, even showing a notification on the scammer’s screen. The problem is that the transfer was never actually made. So, if the merchant only checks the scammer’s screen, they will only realize the fraud later, when the criminal is likely already far away, upon noticing that they never received the money.
How to prevent this
Despite the reasons for concern, a simple measure can prevent this type of fraud. Merchants simply need to confirm the transfer through their own methods, such as checking the notification received on their phone. This way, they can ensure that the product is only released after an actual transfer is completed.
Are you afraid of falling victim to an online scam? Then the anti-fraud articles section of StarsPay is perfect for you. By reading the texts, you can stay informed about the most common types of scams and learn how to take the main preventive measures to reduce your vulnerability.
