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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>
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Product innovation, growth and increasing profit – these are all things small business owners and entrepreneurs need to focus on, particularly at the early stages of their company. So why is their attention being diverted by trying to solve the numerous challenges that still exist when doing business overseas?
Many SMEs work exceptionally hard to generate demand for product and services from overseas. Yet when it comes to accepting international payments, progress is slowed down by burdensome financial administrative processes, payment method limitations and expensive and slow money transfers.
Our recent survey showed that 4 in 10 UK SMEs experience significant challenges posed by currency exchange rate fluctuations and fees associated with making international money transfers. Meanwhile, 3 in 10 say barriers to doing business overseas include lengthy settlement times, payments accepted from a limited number of countries and the slow administrative process to start accepting international payments.
At Paysend, we are passionate about enabling businesses to thrive and focus their efforts on growth, rather than business financial administration, which is why we created our acquiring solution.
What can Paysend Business’ acquiring solution do for me?
Our aim is to offer SMEs autonomy over company growth and opportunities to engage with their client base. With our acquiring solution, you can accept online payments from all major debit and credit cards in over 150 countries and up to 38 currencies, including payment gateways Apple Pay and Google Pay. Enabling your international customers to pay via their preferred payment methods is an easy way to increase revenues.
We also offer next day settlement so you can access your funds in 24 hours. Our market leading rates mean you can accept payments from just 0.8% per transaction.
Here are even more ways we’re making it easier for SMEs to accept money from overseas:
Payment links – Accept online payments easily without a website. Create a full payment page easily and share the link with your customers.
Subscription payments – Start selling products and services with a subscription-based payment process.
Accept payments globally – Accept customer payments in up to 38 currencies with global payment options, converting card payments upon request.
Developer-friendly payment API – Integrate your own checkout page to have full autonomy of the user experience. Track all payments on our client dashboard.
High level of security – Protect your payments and avoid fraud. Our solution is encrypted and PCI DSS certified.
Last but not least, our Paysend Business customers have access to a dedicated personal account manager to help resolve any possible issues, whatever the time of day.
How do I get started?
Getting your business up and running with Paysend Business couldn’t be simpler. Our onboarding process is quick and easy – you can create an account in minutes and start accepting international payments in just a few days. Click here to get started and create a Paysend Business account!
Our acquiring solution is part of our portfolio of tools for small businesses, including end-to-end payments and an e-commerce platform. Learn more about Paysend Business via our website.
And finally, our customer services team is always here to help – if you have any questions or need a hand getting set up, don’t hesitate to contact our customer support team.