What does a fake payment confirmation look like?
It may be an edited screenshot, a realistic email or an SMS that copies your payment provider. Correct names, logos and an amount do not prove that the money reached your account.
The sender may pressure you to confirm quickly so the stablecoin can be released. Take the time to check.
How do I check the payment?
Open your bank or mobile-money app yourself. Do not use a login link sent by the other person.
- Has the payment arrived, rather than just showing as pending?
- Does the amount agree with the order?
- Do the sender, receiving account and payment reference agree?
If the answer is no or you cannot check, do not confirm receipt. Report the problem through the order before its deadline.
How is a Sargo payment proof different?
For an order using cryptographic proof, the merchant creates evidence from a supported bank session. The evidence is tied to the order and submitted for review. It can show a payment sent or received in the records checked.
This is different from trusting a screenshot. It still has limits: bank and device support vary, and finding no matching payment is not proof that payment never happened. Read the payment-proof guide.
What should I report?
Keep the order ID, suspicious messages and your genuine payment records. Explain what is missing or does not agree. Use the order’s dispute process.
Do not confirm a payment just to stop repeated messages, and do not send another payment to fix the first one.