Is this message really from my provider?
A message can copy a bank, M-Pesa or Sargo name and logo. Open your account through your usual app instead of its login link. Check the payment there.
KES moves through the payment provider. Treat a claim that Sargo is holding your shillings until you release stablecoin as a warning sign.
Why are they asking to use my account?
Do not lend or sell access to your Sargo, bank or mobile-money account. Someone offering to pay you to use your identity may involve you in activity you did not authorise.
Do not send recovery phrases, private keys, passwords, PINs or one-time codes to a merchant or someone claiming to be support.
Why have the instructions changed?
Stop if someone gives you a new recipient, asks you to split a payment or demands an urgent refund to another account. Follow the confirmed order, not a replacement instruction in chat.
Before sending anything else, report the difference through the order. If you have already paid, do not agree to cancel just to make the problem disappear.
What should I do if I suspect a scam?
Keep the order ID, payment reference and relevant messages. Contact Sargo and the affected bank, wallet or mobile-money provider through their official channels. Report unauthorised access promptly.
Report the impersonating account or message to the service where it appeared. If you suspect fraud or theft, you can also report it to the police. Keep copies of the messages and payment references before blocking the sender.
A report helps an investigation but does not guarantee recovery of a completed payment. Do not send more money to someone promising to recover it. For an open order, follow the dispute steps.