Check Muna guides
Scam Pattern Library PH
Short, calm guides to the marketplace patterns Check Muna watches for — what they look like, what to ask, and safer ways to pay.
Payment before receipt
Seller asks for full payment before pickup, delivery, or platform checkout.
What to ask + safer options
Account name mismatch
The payment account name does not match the seller profile or stated identity.
What to ask + safer options
Rental deposit before viewing
Someone asks for a reservation or deposit before you can view the unit.
What to ask + safer options
Fake courier fee
A seller or courier asks for a separate delivery, insurance, or release fee.
What to ask + safer options
Fake escrow or platform claim
The seller claims a platform, escrow, or admin requires payment outside the normal checkout.
What to ask + safer options
Urgency pressure
The seller pushes you to pay immediately because someone else is supposedly waiting.
What to ask + safer options
Suspiciously low price
The item is priced far below normal and payment is requested quickly.
What to ask + safer options
Preorder or deposit pressure
A preorder slot or reservation is offered only if you send money now.
What to ask + safer options
Job or task fee before work
A job or task offer asks for registration, training, or processing fees first.
What to ask + safer options
Reused proof or social proof pressure
The seller sends screenshots of past buyers, IDs, or receipts to push you to pay.
What to ask + safer options