The ease of making transfers over the internet, directly from the app, has brought with it a common crime, using fake Pix vouchers. The idea is to take advantage of the lack of attention of sellers and users to apply scams to obtain products and services, either in person or by delivery, with the victim only realizing the problem when it is too late.
Frauds involving false receipts are nothing new; have existed since the beginning of the banking system, with empty envelopes placed in ATMs or misdeclared values by scammers. For potential victims of scams involving false payments via Pix, all that remains is to pay attention to details to identify the forgery and avoid losses.
The first step to identify a fake Pix voucher is to look at the bank statement, in the bank app, after confirmation. The transfer system is immediate, which means that the values sent by a user fall into the destination Pix key at the same time; if you receive proof of payment and do not identify the amount on the account, do not deliver the product.
To avoid losses, be suspicious of claims about problems or unavailability. As financial institutions and the Central Bank make clear, Pix is sent at the same time as it is made; if you believe you have a problem, contact the bank and do not finalize the deal until you have received payment or are sure it is on its way to your bank account.
It’s also important to watch out for edit marks on fake Pix vouchers. Note, for example, that the date and time correspond to the time the alleged buyer claimed to have made the transfer, or that the financial institution’s names and logos appear correctly in the image.
Changes in format, font size or font style can also be indicators of a scam involving fake Pix voucher. Again, when in doubt, check your bank account to make sure that the indicated payment has been transferred and do not complete the sale before verifying the veracity of the transfer of amounts.
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