Scam Message Checker
Red flag

Overpayment refund request

A buyer 'accidentally overpays' and asks you to refund the difference before the payment clears.

Why it matters

The original payment is fake or will reverse, but your refund is real money you lose.

Example only - do not act on it

Example only: I overpaid - please send back the difference now.

Why scammers use this

It exploits goodwill and the delay before a payment truly settles.

What to do

  • Stop and verify who you're really paying through an official channel.
  • Never pay a fee to receive money, a refund, a prize, or to 'release' funds.
  • If money moved, contact your bank or payment provider immediately.

What not to do

  • Don't pay to receive money or 'unlock' funds.
  • Don't trust payment screenshots as proof.
  • Don't pay via gift cards, wire, or crypto to someone unverified.

How to verify safely

Confirm any payment inside your official banking or payment app; receiving money never requires you to pay, scan, or enter a PIN.

Scams where this appears

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Frequently asked questions

Should I refund an overpayment?

Wait until funds truly settle and refund only via the original method. Overpayment-refund requests are a classic scam.

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