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Payment Scam Checker

Detect Payment Scams Before It's Too Late

Paste any suspicious payment message, email, or text you've received and PayGuard will instantly scan it for known scam patterns, urgency tactics, and fraud indicators.

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Your message is never sent to any server. All analysis happens locally in your browser.

Your Message Shield

Paste a message on the left and click Check Message. PayGuard will analyse it for scam signals and show you a detailed risk report.

20+ scam patterns detected
Risk score with breakdown
Suspicious text highlighted
Actionable advice
Know Your Enemy

Common Payment Scam Types

Recognising these patterns can help you avoid financial fraud before it happens.

Urgency Scams

Scammers pressure you to act immediately — "Your account will be closed in 24 hours". This urgency is artificial and designed to bypass rational thinking.

urgentimmediatelyact now24 hours

Impersonation Scams

Fraudsters pose as your bank, PayPal, or government agencies claiming you must verify or unlock your account by sending money or providing credentials.

verify accountunlockbank security

Prize & Reward Scams

You've "won" something but must pay a fee to release it. Legitimate prizes never require upfront payment. If it sounds too good to be true — it is.

you wonprizerewardclaim now

Phishing Links

Messages containing suspicious links that lead to fake login pages designed to steal your credentials or install malware on your device.

click herelogin nowconfirm details

Overpayment Scams

A "buyer" sends more than agreed and asks you to refund the difference. The original payment is fraudulent and the refund comes from your own funds.

overpaidrefundsend back

Advance Fee Scams

You must pay a small fee upfront to receive a much larger sum. The large sum never arrives, and the scammer disappears with your advance payment.

advancetransfer feerelease funds
Quick Reference

Red Flags to Watch For

Before you send any money internationally, run through this mental checklist. If any of these apply, stop and verify independently.

Check a Message Now
Unsolicited contact

You didn't initiate the conversation or transaction

Urgency or threats

You're pressured to act immediately or face consequences

Requests for gift cards or crypto

Legitimate organisations never ask for these payment types

Too-good-to-be-true offers

High returns, prizes, or lottery wins you didn't enter

Requests for secrecy

"Don't tell your bank" or "keep this confidential"

Poor grammar or spelling

Official communications from banks or companies are professionally written