---
title: Common P2P and ACH scam red flags.
description: Discover red flags for P2P and ACH payment scams and tips to avoid unauthorized transfers and fraud.
---

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# Common P2P and ACH scam red flags.

## Digital payments are fast and convenient, but scammers use peer-to-peer (P2P) and ACH transfers to trick customers into sending money. Once sent, these payments can be difficult or impossible to reverse.

### **Common P2P and ACH Scam Red Flags**

**1. Authorized Push Payment (APP) fraud**

Scammers trick you into sending money yourself by pretending to be a trusted person or organization. 

- Fake alerts claiming your account is compromised.
- Impersonation of bank staff, vendors, employers, or family members.
- Requests to move money to a "safe" account.

**2. Common scam scripts**

Fraudsters often use convincing stories, such as: 

- " You need to transfer funds immediately to prevent fraud."
- " You accidentally received a payment - send it back."
- " Pay a fee or deposit to secure a job, rental, or service."

Urgency and pressure are major red flags.

**3. ACH fraud and unauthorized transfers**

Scammers may try to: 

- Trick you into sharing account and routing numbers.
- Set up unauthorized ACH debits or credits.
- Impersonate a business or a service provider to request bank details.

Always verify who is requesting your banking information. 

***Important:** P2p and ACH payments are intended for trusted recipients. If you authorize a payment or share your banking details, recovery may be limited.* 

### **What to Do**

- Only send payments to people and businesses you trust.
- Do not share account or routing numbers unless you have verified the recipient.
- [**Contact our support team**](https://help.panaceafinancial.com/how-do-i-contact-support?hsLang=en) if you are unsure before sending a payment.

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