“I paid. Release it now.”
A convincing receipt, SMS or email can be fake. Open your bank or mobile-money account yourself and check the amount, sender and reference against the order. Do not confirm receipt if the payment is missing or pending.
Read how to check a payment confirmation.
“I overpaid. Refund this other account.”
First check whether the extra money really arrived. Do not send it to a different account on a stranger’s instructions. Report the issue through the order and use verified refund instructions.
A KES payment can also be disputed or reversed after it arrives. See how to handle reversals.
“Use this link. It will fix your order.”
Unexpected login links, requests for your recovery phrase and pressure to move into private messages are warning signs. Open Sargo or your wallet through your usual trusted route. Do not approve a wallet request you do not understand.
An unusually attractive rate does not make the person or their instructions safe. Check the payment details even if the account is verified.
Someone may complete several small payments to build your trust, then ask for a larger payment outside the order. Earlier successful payments do not make the next request safe. Do not send funds outside the order to save fees or bypass its checks.
“Cancel and we’ll start again.”
If you have already paid, do not cancel on a promise to redo the order. Keep the payment reference and use the existing order’s dispute process. Cancelling the order does not reverse money you sent.
Read the cancellation scam guide. If something looks wrong, stop, keep the messages and contact support before sending anything else.