Scam Pattern Library PH

Payment before receipt

Seller asks for full payment before pickup, delivery, or platform checkout.

What it looks like

  • Seller asks for full payment before pickup, delivery, or platform checkout.
  • The conversation usually moves toward sending money before enough verification.

Why it is risky

The risk is that payment becomes hard to reverse before you can confirm the seller, item, unit, ticket, or service.

Ask the seller this

Ask for COD, platform checkout, or meetup before sending full payment.

Safer options

  • Use platform checkout when available.
  • Choose COD or public meetup when practical.
  • Keep screenshots of the listing, chat, and payment details.

How Check Muna evaluates it

  • Payment timing
  • Safer payment options
  • Proof before payment
Check before you send money