Someone who claims to be a government official insists that you pay a fine in cryptocurrency instead of by check or credit card. What should you think?

Many government agencies accept crypto as payment these days, so it may be legit.

The official is just trying to help you avoid going to jail.

Crypto is associated with scams, so you should offer to pay in gift cards instead.

P2P apps such as Venmo and Zelle are convenient, but why are they appealing to scammers?

They don’t have the same consumer protections as credit cards.

Transactions are instantaneous.

Transactions usually are irreversible.

What would be the safest way to use a P2P app?

Splitting a dinner bill with a friend who’s offered to put the total on her credit card.

Paying an IRS official who contacts you to collect outstanding taxes.

Paying a seller for goods or services on a social media marketplace.

You accept a work-from-home job and your new employer sends you a check to deposit, then asks you to send all or part of the funds to someone using a P2P service. What should you do?

Don’t deposit the check, because the company is a scam.

Wait until your bank credits the check amount to your account and then make the payment.

Ask if you can mail the person cash instead.

Tell a friend about work-from-home opportunities at the company.

You get a payment on a P2P app from a stranger who then contacts you to say that the transfer was a mistake and asks you to return the money. What should you do?

Contact your P2P app’s customer service department for assistance.

Send the money back quickly so that you’re not accused of theft.

Just ignore the message and keep the money.

Quiz Yourself on P2P Payment and Cryptocurrency Scams

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Finances

High Yield Savings from Marcus by Goldman Sachs®

Rate bonus on high-yield online savings account

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Finances

AARP® Travel Rewards Mastercard® from Barclays

3% cash back on airfare, hotel stays and car rentals

Learn More

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Financial Planning

Interview an Advisor™ Tool

A free resource to help you assess a financial advisor

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Health & Wellness

AARP® Staying Sharp®

Activities, recipes, challenges and more with full access to AARP Staying Sharp®

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