Is it a scam?

Do this checklist before you pay, click, or reply

If something feels off, start here. Tick the red flags that match the message, call, PDF, offer, or payment request, then get a risk level and next steps.

Pressure

The message is trying to make the decision feel immediate.

There is a deadline, threat, fine, account lock, or emergency.highScammers often force speed so you do not verify the story.They ask you to keep the request secret or avoid calling anyone.criticalSecrecy is common in impersonation, job, romance, and payment scams.The offer looks unusually profitable, cheap, exclusive, or guaranteed.mediumGuaranteed returns and unrealistic deals are common bait.

Money

The request changes how money should move.

Bank details, UPI ID, wallet address, QR code, or recipient name changed.criticalPayment redirection is a major invoice and marketplace scam pattern.They ask for an upfront fee, deposit, tax, verification charge, or gift card.criticalFake jobs, prizes, loans, rentals, and support scams often start with fees.They push payment or chat away from the official platform.highMoving off-platform removes buyer protection and moderation.

Identity

The sender may not be who they claim to be.

The email, phone number, domain, or profile is unfamiliar or slightly misspelled.highSmall spelling changes can imitate trusted brands and people.They claim to be a bank, delivery company, government office, boss, or relative.mediumAuthority and familiarity make people skip verification.The proof is only a voice note, video call, screenshot, or social profile.mediumCopied profiles and AI-generated media can make false identity feel real.

Access

The request asks for control, credentials, or sensitive data.

They ask for an OTP, password, PIN, recovery code, or card detail.criticalLegitimate support teams should not need secret login codes.They ask you to install an app, share your screen, or allow remote access.criticalRemote access lets attackers take over banking, email, or device settings.The message includes an unexpected link, QR code, attachment, or PDF.highLinks and files are often used to capture logins or hide payment changes.