How to help protect your business from phishing and spoofing attempts.
It’s not always easy to spot a scammer, especially when they disguise themselves as a reputable brand.
When scammers make communications look, feel, and sound like the reputable organization they’re impersonating, it’s known as spoofing. Phishing is an attempt to gain access to your sensitive data via fake emails, websites, text messages, or voicemails. Here are a few things to watch out for, to help make sure you don’t fall for these types of scams.
1. Fake emails. One of the most common phishing scams involves sending an email that claims to be from a well-known company — like PayPal. The emails may ask you to:
Tip: Use caution if you get an unexpected payment notification via email. Always verify every payment notification by logging in to your PayPal account and locating the corresponding transaction. All transactions (even pending ones) sent by you, or to you, will show up in your transaction history.
2. Fake websites. A fake website usually works in tandem with a fake email. A link in the email takes you to a site that looks legitimate, and asks you for your password, credit or bank information and/or SSN. These are the red flags of a fake website:
3. Fake text messages. Fake text messages, also known as smishing, are when a cyber criminal is phishing using SMS. You receive an urgent text message with a fake phone number or URL that looks like this:
“Your PayPal account has been suspended due to suspicious activity. Please contact us immediately at 1-408-123-4567. It is imperative that we speak to you as soon as possible.”
If you call the number, you’re confirming you have a PayPal account, and the scammer will ask for your account information.
Scammers may also use a fake link instead of a phone number.
4. Fake voicemails. Fake voicemails, also known as vishing, are when a scammer uses an automated system to make voice calls. Typically, the calls mention an “urgent account problem” and ask you to share account information to remedy it. An example of a vishing attempt is:
“This is PayPal calling about a possible fraudulent transaction on your account. Please enter your PIN now to hear the transaction details.”
When you enter your PIN, the scammer gets the key they need to access your account.
Never provide any account information unless you initiated the phone call. Caller IDs are also easily tricked, so don’t rely on them to verify the call is authentic.
How to protect yourself from phishing and spoofing.
If you think you’ve clicked a bad link, close out of it immediately, run an antivirus check, and then change your password and security questions. Remember, it’s important you run an antivirus check first because you might’ve gotten malware from clicking the link, and the malware can still pick up your new password.
Then, contact your bank or card issuer and explain the situation. Make sure to review your transaction history over the next few weeks to ensure there are no unauthorized transactions on your account, and if there are, report them immediately.
Seems phishy?
If you receive an email that you believe could be phishing, don’t respond in any way and also don’t click any links or open any attachments. Instead, simply forward the email to spoof@paypal.com. In order to investigate the email just as you received it, we ask that you don’t change the subject line or send the suspicious email as an attachment. After forwarding to us, delete the email from your account so that there’s no further threat to you.
How do you know when the communication you’ve received is actually from PayPal?
Be assured that we will never send a request for information via email. Instead, we direct account holders to log in to their account and visit the Resolution Center. You know you’re working on the real PayPal site when the URL is https://www.paypal.com.
Additional tools.
In addition, to help prevent a cyber criminal from using phished information in a transaction with your business, the following tools are available through PayPal and other fraud management vendors:
No matter how vigilant you are, inevitably, you will let down your guard and be tempted to click an unsecure link. To help protect you while you browse (and take away some of the stress), there are several site safety rating tools1 available:
We want to help keep your information secure, and alerting us to possible scam attempts helps protect the PayPal community.
You can also access additional information on online security here or by reviewing our FAQs at the bottom of this page.
1. Fake emails. One of the most common phishing scams involves sending an email that claims to be from a well-known company — like PayPal. The emails may ask you to:
- Visit a fake or "spoof" website
- Call a fake customer service number
- Open attachments that install malicious software on your computer when opened or
- Open attachments you didn’t request
- Start with a generic greeting instead of your name
- Have poor grammar or many typos
- Create a sense of urgency or;
- Ask for personal information like credit or debit card numbers, bank account information, driver’s license number, passwords or your full name. PayPal will never ask for sensitive information in an email.
Tip: Use caution if you get an unexpected payment notification via email. Always verify every payment notification by logging in to your PayPal account and locating the corresponding transaction. All transactions (even pending ones) sent by you, or to you, will show up in your transaction history.
2. Fake websites. A fake website usually works in tandem with a fake email. A link in the email takes you to a site that looks legitimate, and asks you for your password, credit or bank information and/or SSN. These are the red flags of a fake website:
- The URL includes non-secure links. To know if it’s a secure link, check that the URL begins with ‘https’, like in this one: https://www.paypal.com/us. Also look for the "lock" symbol that appears in the address bar or the lower right-hand corner of your browser. This symbol indicates you’re on a secure site.
- The URL directs to a completely different website.
3. Fake text messages. Fake text messages, also known as smishing, are when a cyber criminal is phishing using SMS. You receive an urgent text message with a fake phone number or URL that looks like this:
“Your PayPal account has been suspended due to suspicious activity. Please contact us immediately at 1-408-123-4567. It is imperative that we speak to you as soon as possible.”
If you call the number, you’re confirming you have a PayPal account, and the scammer will ask for your account information.
Scammers may also use a fake link instead of a phone number.
4. Fake voicemails. Fake voicemails, also known as vishing, are when a scammer uses an automated system to make voice calls. Typically, the calls mention an “urgent account problem” and ask you to share account information to remedy it. An example of a vishing attempt is:
“This is PayPal calling about a possible fraudulent transaction on your account. Please enter your PIN now to hear the transaction details.”
When you enter your PIN, the scammer gets the key they need to access your account.
Never provide any account information unless you initiated the phone call. Caller IDs are also easily tricked, so don’t rely on them to verify the call is authentic.
How to protect yourself from phishing and spoofing.
If you think you’ve clicked a bad link, close out of it immediately, run an antivirus check, and then change your password and security questions. Remember, it’s important you run an antivirus check first because you might’ve gotten malware from clicking the link, and the malware can still pick up your new password.
Then, contact your bank or card issuer and explain the situation. Make sure to review your transaction history over the next few weeks to ensure there are no unauthorized transactions on your account, and if there are, report them immediately.
Seems phishy?
If you receive an email that you believe could be phishing, don’t respond in any way and also don’t click any links or open any attachments. Instead, simply forward the email to spoof@paypal.com. In order to investigate the email just as you received it, we ask that you don’t change the subject line or send the suspicious email as an attachment. After forwarding to us, delete the email from your account so that there’s no further threat to you.
How do you know when the communication you’ve received is actually from PayPal?
Be assured that we will never send a request for information via email. Instead, we direct account holders to log in to their account and visit the Resolution Center. You know you’re working on the real PayPal site when the URL is https://www.paypal.com.
Additional tools.
In addition, to help prevent a cyber criminal from using phished information in a transaction with your business, the following tools are available through PayPal and other fraud management vendors:
- Address Verification Service (AVS). Use AVS to verify if the billing address matches the one the card issuer has on file.
- Card Security Code (CSC). The CSC is the three- or four-digit number located on the back of the card that confirms the customer has the card in their possession.
- Bank Identification Number (BIN). The first six numbers listed on a card are known as the BIN and identify the financial institution that issued the card.
- IP geolocation. IP geolocation pinpoints the location of the computer used for the transaction; checking the geolocation details against the billing and shipping address your customer provided can flag possibly fraudulent transactions.
No matter how vigilant you are, inevitably, you will let down your guard and be tempted to click an unsecure link. To help protect you while you browse (and take away some of the stress), there are several site safety rating tools1 available:
- SiteAdvisor.com
- MyWOT.com
- Safeweb.Norton.com
We want to help keep your information secure, and alerting us to possible scam attempts helps protect the PayPal community.
You can also access additional information on online security here or by reviewing our FAQs at the bottom of this page.
1 These products aren’t affiliated with PayPal and may require additional costs.
Frequently asked questions.
If you’re notified that you’ve received a payment, but you don’t see it in your PayPal account, there are a number of possibilities:
- The sender may have accidentally sent the payment to the wrong email address. You might want to contact the sender to confirm that the payment was sent to the correct email address.
- You may have the email address on your account, but you have not yet confirmed it. You need to confirm your email address to prove that you have access to it, before you can receive payments. You can confirm it under your payment settings.
Fake emails, also known as phishing emails, attempt to collect your personal and financial information. These fake emails often link to fake websites that encourage you to enter personal information such as credit card numbers, passport or driver’s license numbers, and account passwords.
If you think you’ve received a fake email, forward it to spoof@paypal.com then delete the fake email from your inbox.
Please note: funds sent to your PayPal account will not be automatically transferred to your bank account. To transfer money to your bank account, log into your PayPal account, click Transfer to your bank below your PayPal balance, and follow the instructions on the screen.
Having a secure, unique password for each of your online accounts is critically important. If a scammer gets just one password, they can begin to access your other accounts. That’s why it’s important to have a strong, unique password for your PayPal login.
A strong password should have the following characteristics:
• More than 8 characters long.
• Use lower case, upper case, a number, and a special character [like ~!@#$%^&*()_+=?><.,/].
• Not a word or date associated with you (like a pet’s name, family names, or birth dates).
• A combination of words with unusual capitalization, numbers, and special characters interspersed. Misspelled words are stronger because they are not in the dictionary used by attackers.
• Something you can remember.
How often should I change my password?
Normally, there should be no reason to change your password or PIN. But there are a few cases where it's a good precaution. For example:
• You notice something suspicious on your PayPal account.
• You suspect that someone you don’t trust has your password.
• You notice something suspicious in your email account or other online accounts.
• You have recently removed malware from your system.
• PayPal asks you to change your password.
If one of these occurs, change your Password, PIN, and security questions immediately. You can change these under personal settings.
If you receive an email asking you to change your password, it could be a case of phishing. Instead of clicking on a suspect link in an email, just log into your PayPal account by manually typing the URL. Click the Settings tab, and then Personal Info. You will find the password, security questions, and PIN (if you've set one up) on this page.
A strong password should have the following characteristics:
• More than 8 characters long.
• Use lower case, upper case, a number, and a special character [like ~!@#$%^&*()_+=?><.,/].
• Not a word or date associated with you (like a pet’s name, family names, or birth dates).
• A combination of words with unusual capitalization, numbers, and special characters interspersed. Misspelled words are stronger because they are not in the dictionary used by attackers.
• Something you can remember.
How often should I change my password?
Normally, there should be no reason to change your password or PIN. But there are a few cases where it's a good precaution. For example:
• You notice something suspicious on your PayPal account.
• You suspect that someone you don’t trust has your password.
• You notice something suspicious in your email account or other online accounts.
• You have recently removed malware from your system.
• PayPal asks you to change your password.
If one of these occurs, change your Password, PIN, and security questions immediately. You can change these under personal settings.
If you receive an email asking you to change your password, it could be a case of phishing. Instead of clicking on a suspect link in an email, just log into your PayPal account by manually typing the URL. Click the Settings tab, and then Personal Info. You will find the password, security questions, and PIN (if you've set one up) on this page.
PayPal approves transactions for the following AVS codes:
- Domestic transactions: A, W, X, Y, Z, B, D, P, M, F
- On international transactions PayPal will only deny: N, E
The PayPal Developer Portal offers support for developers who have questions about technical topics, such as APIs or integration. Below is a list of common topics searched for by developers. You can also browse and search on the Developer Portal for additional topics.
Account Authentication
Information about validating your visitor's PayPal account.
Adaptive Accounts
Use the Adaptive Accounts API to build applications that create and manage PayPal accounts.
Adaptive Payments API
Use the Adaptive Payments API to pay almost anyone and set up automated payments.
Business Payments
Send online payments quickly and securely using PayPal Business Payments.
Digital Goods
Whether you're a game developer selling virtual goods and currencies or a media developer selling news content, video, blogs, music or any other premium digital media our new solution, PayPal for Digital Goods is the optimal solution for selling digital content.
Encrypted Website Payments
To make online payments more secure, you can make Encrypted Website Payment buttons that rely on standard public key encryption for protection.
Checkout API
Checkout allows merchants and developers to minimize the number of steps customers complete when they checkout.
Game Development
Information and help on payments and game development.
Identity API
PayPal offers a secure commerce Identity API that lets your customers sign in to your web site using their PayPal credentials.
Instant Payment Notification
Instant Payment Notification is a message service that automatically notifies merchants of events related to PayPal transactions.
Invoicing
Merchants, developers, and business solution providers use Invoicing APIs to automate the creation, delivery, tracking, and reconciliation of invoices with an integrated payments solution.
Mobile Express Checkout
Mobile Express Checkout allows merchants to simplify checkout for customers using mobile devices, including iPhone®, iPad®, Android devices, Blackberry, and Windows Phone 7.
Name-Value Pair (NVP) API
Information and support on name value pairs and NVP SDKs.
Payflow Gateway
Payflow Pro is a high performance TCP/IP-based client-server architecture solution. It includes a secure payment gateway that gives merchants total control over the payment process.
PayPal Sandbox Support
Information and support for users testing in the PayPal Sandbox environment.
PayPal Shopping Cart
The PayPal Shopping Cart system allows buyers to select multiple items on your website and pay for them with a single payment.
Permissions Service API
PayPal's permissions service enables you to request and obtain authorization to make API calls and take action on behalf of your customers.
SOAP
The PayPal SOAP API is based on open standards known collectively as web services, which include the Simple Object Access Protocol (SOAP), Web Services Definition Language (WSDL), and the XML Schema Definition language (XSD).
Testing Your Apps in Sandbox
A guide for developers testing their apps in the PayPal Sandbox environment.
Virtual Terminal
Information about PayPal's Virtual Terminal - a web-based application that processes credit and debit cards, replacing swipe machines.
Website Payments Pro
PayPal's Website Payments Pro is an API-based solution that enables merchants and developers to accept credit cards, debit cards, and PayPal payments directly on their website.
Account Authentication
Information about validating your visitor's PayPal account.
Adaptive Accounts
Use the Adaptive Accounts API to build applications that create and manage PayPal accounts.
Adaptive Payments API
Use the Adaptive Payments API to pay almost anyone and set up automated payments.
Business Payments
Send online payments quickly and securely using PayPal Business Payments.
Digital Goods
Whether you're a game developer selling virtual goods and currencies or a media developer selling news content, video, blogs, music or any other premium digital media our new solution, PayPal for Digital Goods is the optimal solution for selling digital content.
Encrypted Website Payments
To make online payments more secure, you can make Encrypted Website Payment buttons that rely on standard public key encryption for protection.
Checkout API
Checkout allows merchants and developers to minimize the number of steps customers complete when they checkout.
Game Development
Information and help on payments and game development.
Identity API
PayPal offers a secure commerce Identity API that lets your customers sign in to your web site using their PayPal credentials.
Instant Payment Notification
Instant Payment Notification is a message service that automatically notifies merchants of events related to PayPal transactions.
Invoicing
Merchants, developers, and business solution providers use Invoicing APIs to automate the creation, delivery, tracking, and reconciliation of invoices with an integrated payments solution.
Mobile Express Checkout
Mobile Express Checkout allows merchants to simplify checkout for customers using mobile devices, including iPhone®, iPad®, Android devices, Blackberry, and Windows Phone 7.
Name-Value Pair (NVP) API
Information and support on name value pairs and NVP SDKs.
Payflow Gateway
Payflow Pro is a high performance TCP/IP-based client-server architecture solution. It includes a secure payment gateway that gives merchants total control over the payment process.
PayPal Sandbox Support
Information and support for users testing in the PayPal Sandbox environment.
PayPal Shopping Cart
The PayPal Shopping Cart system allows buyers to select multiple items on your website and pay for them with a single payment.
Permissions Service API
PayPal's permissions service enables you to request and obtain authorization to make API calls and take action on behalf of your customers.
SOAP
The PayPal SOAP API is based on open standards known collectively as web services, which include the Simple Object Access Protocol (SOAP), Web Services Definition Language (WSDL), and the XML Schema Definition language (XSD).
Testing Your Apps in Sandbox
A guide for developers testing their apps in the PayPal Sandbox environment.
Virtual Terminal
Information about PayPal's Virtual Terminal - a web-based application that processes credit and debit cards, replacing swipe machines.
Website Payments Pro
PayPal's Website Payments Pro is an API-based solution that enables merchants and developers to accept credit cards, debit cards, and PayPal payments directly on their website.