Přečtěte si nejnovější články o Paysend","text":"Zůstaňte v obraze díky nejnovějším zprávám, postřehům a dalším.","isMobileBtn":null,"note":null,"img":null,"color":{"id":204,"bgColor":null,"titleGradient":"aubergine01","titleColor":null,"whiteText":null},"btn":null,"btn_mobile":null,"bgImg":null,"btnDemo":null,"extra_button":null},"tiles_section":[{"id":520,"title":"O nás","subtitle":"Jsme globální FinTech společnost s posláním změnit způsob, jakým se peníze pohybují po světě.","variant":"colored","size":null,"imgTop":null,"fullwidth":null,"btn_title":null,"url":"\/about-us","add_country_lang_inside_link":null,"enabled":null,"img":null,"color":{"id":878,"bgColor":"aubergine01","titleGradient":null,"titleColor":null,"whiteText":null}},{"id":521,"title":"Kultura","subtitle":"Objevte svůj potenciál, mějte pod kontrolou svůj růst, utvářejte svou budoucnost.","variant":"colored","size":null,"imgTop":null,"fullwidth":null,"btn_title":null,"url":"\/culture","add_country_lang_inside_link":true,"enabled":null,"img":null,"color":{"id":879,"bgColor":"aubergine03","titleGradient":null,"titleColor":null,"whiteText":null}}],"seo":{"id":190,"metaTitle":"Paysend Blog: Buďte vždy o krok napřed s nejnovějšími poznatky","metaDescription":"Ponořte se do budoucnosti s blogem Paysend, zkoumajícím inovativní nápady a trendy formující svět plateb a financí. Zůstaňte aktualizováni a informováni.","ShareImage":null}},"articles":{"data":[{"id":382,"title":"Top money transfer scams around the world","date":"2025-02-24","video_url":null,"description":"
Sending money internationally has never been easier, but as digital payments become more popular, so do scams targeting unsuspecting senders. Fraudsters use various tactics to deceive people into transferring money, often pretending to be banks, employers, or even loved ones in distress.<\/p>
To help you stay protected, we’ve outlined some of the most common and most recent money transfer scams happening around the world and how you can avoid them.<\/p>
North America: Phishing Emails & Emergency Scams<\/h2>
On the rise in North America, phishing scams involve fake emails and texts pretending to be from your bank or a trusted company, urging you to take urgent action. These messages often contain links to fake websites designed to steal your login details.<\/p>
Another common scam is the emergency scam, where fraudsters pose as a relative or friend in distress, claiming they need immediate financial help. They might say they’ve been in an accident, lost their wallet or need urgent bail money.<\/p>
Tip:<\/strong> Always verify the sender’s identity before transferring money. Contact your bank directly if you receive an email or message about an account issue.<\/i><\/p>
South America: Money Laundering & Recruitment Scams<\/h2>
Fraudsters in South America often lure victims with \"job opportunities\" that involve handling money transfers. They ask individuals to send or receive money on behalf of others — without realising they are laundering stolen funds.<\/p>
How to stay safe: Never agree to move money for someone you don’t know. If a job sounds too good to be true, it probably is.<\/p>
Europe: Overpayment & Fake Job Scams<\/h2>
In overpayment scams, scammers send money to victims, then claim they \"accidentally\" sent too much and request a partial refund. But after the victim sends money back, the original transaction is reversed, leaving them out of pocket.<\/p>
Another common scheme in Europe is the fake job scam, where fraudsters post fake job listings that require applicants to pay a \"training fee\" or “visa processing charge.”<\/p>
Tip:<\/strong> Legitimate employers never ask for money upfront. Avoid sending refunds for overpayments — wait for the funds to fully clear before taking action.<\/i><\/p>
Africa: Lottery Scams & Advance-Fee Fraud<\/h2>
In Nigeria and other parts of Africa, lottery scams and advance-fee fraud remain common. Scammers claim you’ve won a big prize but need to pay a \"processing fee\" to receive it. Similarly, some fraudsters pretend to be officials promising inheritance payouts — if you just cover some minor costs first.<\/p>
Tip: <\/strong>If you didn’t enter a lottery, you didn’t win. Never pay upfront fees for winnings or unexpected “inheritances.”<\/i><\/p>
Asia: Investment Fraud & Crypto Scams<\/h2>
Scammers in Asia frequently target victims with fake investment opportunities. Promising \"guaranteed high returns\", fraudsters often lure people into Ponzi schemes or fraudulent cryptocurrency platforms, stealing funds once deposits are made.<\/p>
Tip:<\/strong> Always research investment platforms before sending money. If returns sound too good to be true, they probably are.<\/i><\/p>
Australia: Fake Charity & Donation Scams<\/h2>
Fake charity scams are particularly common in Australia, especially after natural disasters. Scammers pose as aid organisations, soliciting donations that never reach the intended cause. Tip: Only donate through verified charities. Check official websites before sending money.<\/p>
How to protect yourself from money transfer scams<\/h2>
No matter where you are in the world, these scams can strike when you least expect them. Here are some golden rules to keep your money safe:<\/p>
Only send money to people you know and trust.<\/li>
Be cautious of urgent or emotional requests. Scammers create a sense of panic to make you act fast.<\/li>
Verify sources before making a payment. Contact your bank, employer or the organisation directly.<\/li>
Všechny článkyBoosting SME cash flow through payment efficiency
Boosting SME cash flow through payment efficiency
2023-06-28
All articles
Digital Money
A high proportion of company collapses, especially among small and medium-size enterprises (SMEs), are the result of cash flow problems. Even However adept a business is at spotting a gap in the market or servicing a particular segment, if money is being spent more quickly than it is coming into the firm, it can be a recipe for disaster.
Negative cash flow is not uncommon among startups, which are likely to be spending their initial financing on product development, hiring and marketing before their sales start to ramp up. But among more established businesses, cash flow problems are typically a sign of inefficient payment systems and perhaps even poor management or bookkeeping.
Recentresearch suggests that late payments cost British SMEs as much as £684m a year, with the average invoice being almost six days overdue. The issue of late payments, and their impact on cash flow, has become even more important as a result of the cost increases seen by UK businesses due to the inflationary period of the past year.
Successive governments have promised to take action on late payments, specifically relating to payments due from large to small businesses. The latest suchpledge was made in December 2022 as small business minister Kevin Hollinrake launched a review into the problem.
Whilst legislation would be a welcome help to small business, there are actions owners can take to improve their own cash flow positions.
1. Gain maximum visibility
The best way to nip cash flow problems in the bud is by ensuring you can spot warning signs as early as possible. Checking your business’s cash position on just a monthly or even weekly basis increases the risk that problems could go undetected for too long. Using cash flow modelling software, you can see in real time what the impact of rises in costs or overdue invoices will be and take necessary, pre-emptive action.
2. Incentivise early payment
Customers can be encouraged to settle bills on time by offering a small discount for prompt payment. Conversely, you could consider adding interest charges to overdue invoices. Incentives should also play a significant role inside the company: by training workers in the right way and developing a cash-focused culture across the business – perhaps with the targeted use of bonuses – you can ensure that staff prioritise the firm’s cash position above all else.
3. Bite the bullet on late payers
By analysing payment data, you should be able to identify those customers who regularly pay late. You can then decide whether to continue your relationship with them: you may be better off in the long-term by reducing your dependence on these clients and seeking to develop your business elsewhere.
4. Improve payment efficiency
The easier it is for your customers to pay you, the less cash flow pressure you’re likely to face. Using the latest payment technology can considerably cut the hassle that clients face in paying for your goods or services. International payment services can be especially useful given the delays that have traditionally been associated with cross-border transactions. The ability to get paid instantly by customers all over the world should also give UK SMEs greater confidence to expand into new markets without worrying about the cash flow implications. Mallet believes payment efficiencies can lead to competitive advantage.
Even successful and profitable businesses can sometime experience cash flow problems. At best, this can stall necessary investment and growth, and, at worst, it can totally derail an SME. Late payments are a significant contributor to cash flow headaches for SME owners but, with the right approach to culture and systems, their impact can be limited.
Ashley Mallett, head of business at Paysend
“Rather than waiting for ministers to introduce legislation, SMEs should act urgently to ensure they have the right systems and culture in place to avoid cash flow issues, as well as to deal with problems as and when they arise.”
Ashley Mallett, head of business at Paysend
“With the benefit of faster settlement speeds and quicker transfers. SMEs can become more confident, nimble and efficient in their operations, allowing them to focus on serving their customer needs and developing their offerings instead of operational headaches.”