Payment & Refunds
- What payment methods are safest when shopping online?
Credit cards and reputable digital wallets offer the best fraud protection. Debit cards, gift cards, and wire transfers are riskier. - Can I get my money back if I paid a scammer with a gift card?
Usually no, but you can try. Report it to the gift card issuer and the FTC immediately. Recovery is rare but possible if you act fast. - Should I use a credit card or debit card for online purchases?
Credit cards generally offer stronger fraud protection and don't directly access your bank account, making them safer for online purchases. Debit cards can be used, but you may have less recourse if something goes wrong. - How can I dispute a charge if I think I was scammed?
Contact your bank or credit card issuer immediately to dispute the charge. You can also file complaints with the FTC and your state attorney general, but the bank dispute is your best shot at getting money back. - What are signs of a fake payment request or invoice?
Red flags include unexpected requests, urgency, unusual payment methods like gift cards or wire transfers, and mismatched email addresses or logos. Always verify directly with the company using a known phone number. - Is it safe to send money via Zelle, Venmo, or Cash App to someone I don't know?
No, it's generally not safe. These apps are designed for sending money to friends and family, not strangers, and transactions are typically irreversible. Scammers often request payment this way because they know you can't get your money back.