Recognize the pattern
How it starts
New-number calls, friend requests, or work groups.
The promise
Handle an urgent payment; I will repay you.
What happens next
The caller elicits a familiar name or copies public details, then avoids independent confirmation.
Signs to watch for
- A familiar photo uses a new account
- The request differs from normal practice
- Refuses confirmation via known channels
Start with what you can do now
If this happened to you
Pause payment and verify the person
Warn the impersonated contact
Contact bank and police if paid
What to save
Keep the original records. Use copies to organize the details.
- Impersonation profile
- Payment request
- Identity checks
- Payment receipt
Before you send money
- Use the existing contact number
- Follow workplace payment approvals
- Check the payee and payment purpose
These guides explain common patterns. The facts of your situation and your payment provider’s rules determine which steps are available.