Internet Safety: Protect yourself from Online Scams

Scam is a word that we hear often when it comes to online remittances, especially in the news. In some cases, they can lead to you and your family losing everything due to fraud or not receiving the benefits of your hard-earned money. Online remittance fraudsters can be found lurking on popular social media sites like Facebook or Instagram. Unfortunately, scammers and fraudsters are getting more and more sophisticated, which means it’s getting harder to avoid them. Today, personal security is a much bigger concern than ever before. 

iPay takes online security seriously and is familiar with many of the tricks and techniques used in the most common online frauds. The best way to avoid falling for these kinds of scams is to know what they are and how to spot them. 

We’ve put up this guide to help you stay safe online and to assist you in recognizing online fraud, various sorts of scams, how to avoid them, and how to defend yourself. This article will help you avoid all this and make the best choice, so that you don’t have to go through such a bad experience. 

Know the red flags 

There are several types of online scams that people should be aware of before they use a money transfer company: phishing, pharming, chargebacks, and identity theft. These three, in particular, often happen when people send money from abroad through online platforms.  


Phishing is when a scammer sends fake emails that look as if they were sent by a money transfer company. The goal of the scammer is to make you click on a link and give up your personal information, sometimes even financial information. It is important not to respond to any emails from money transfer companies unless you are 100% sure that it’s really them who sends them (every reputable company has their own website and email). 

E-mail scam warning indicators  

  • Don’t address recipients personally (for example, “Dear Customer”).  
  • Poor grammar or punctuation, as well as low-quality or distorted artwork  
  • An instruction to click a link to execute an activity (hover over them to see where you’re being directed)  
  • Sending addresses that are obscure (for example, Hotmail, Gmail, and Yahoo addresses should set alarm bells ringing)  


Pharming is the act of putting malware (malicious software) on a victim’s computer so that their online activity can be tracked and their information can be stolen. Pharming uses the same “spoof” sites as “phishing,” but it employs malware/spyware to steer users away from legitimate sites and toward fraudulent sites. In a pharming attack, the criminal gains access to the website you’ve visited and redirects you to a fake one. When a customer types in a legitimate URL address while trying to send money, they are sent to a bogus site instead of the intended one, which is far more sophisticated than “phishing.” Many of us will not notice any differences on the rogue site, and will input our username and password, or credit information as normal, similar to a phishing scam. The information is then taken by the attacker.

You are most vulnerable to this type of scam if you don’t have updated antivirus software, because this is how criminals get your information. 

Identity theft

Identity theft is also a form of scam. It happens when you are contacted by scammers posing as your bank, police, or other financial institutions. The goal is to steal your personal information, such as your bank and passport details. The most common method of committing identity-theft scams is to use the stolen credit card numbers to make online purchases or buy products at stores.

Know the best ways to avoid being scammed.

  • Don’t respond: If you’re not sure who’s calling, emailing, or texting you, hang up the phone, don’t click the link in the email, and don’t respond to the text message.  
  • Do not rely on caller ID or pick up calls from unknown numbers: Hang up the phone if the caller ID is familiar yet the call appears strange. It is simple to spoof phone numbers to make them appear to be from a legitimate caller.  
  • Don’t share your personal information: Never give out any personally identifiable information until you’re certain about the person and the cause is real. Remember, legitimate money transfers will never ask you to submit us personal information via text, email, or online, such as your account number, Social Security number, or Tax ID.  
  • Research and validate: If the individual or group appears questionable, call the organization’s official number listed on their website or talk with a trusted family member or friend to ensure the request is authentic.  
  • If you believe you have been a victim of a scam, please notify the concerned local authorities.  

What can I do to avoid falling victim to an internet scam?

  • Make sure you’re connecting to the internet via a secure connection (look for https in the web address).
  • Be cautious while opening unknown links or attachments.
  • Stay away from dubious websites.
  • Enable two-factor authentication on sites that offer it
  • Use a trusted, legitimate internet service provider (ISP).
  • Use a VPN service with trusted DNS servers.
  • Change the default password on your consumer-grade routers and wireless access points 
  • Download and update your browser and OS security patches.
  • Find the padlock: A padlock or key indicates a secure, encrypted connection. Unlocked padlocks or broken keys indicate an insecure connection. Always search for a lock or key in your browser or computer’s taskbar.

Experience effortless remittance across the world with iPay

iPay provides money transfer services to over 70 different countries. We know how much effort goes into earning the money you send to your loved ones. It’s something we take very seriously. We assure you that your data, identity, and money are safe with us as a service provider that operates entirely online. In fact, we preserve your information with the highest level of security and will not share it with anybody without your permission.

To provide our customers with the highest level of security, we encrypt all of your data inside a session when you log in to your iPay account using a digital certificate. We employ secure servers and HTTPS to ensure the privacy of your transactions, as well as unique hash and bank-level encryption. Create an account with iPay to experience our reliable, safe, and secure money remittance service.

So, if you want to stay safe when sending money – be sure that you choose one of those services for yourself!