1.

What the user sees

The lure as presented

  • Someone claims they paid too much for a product, service, or commission.
  • They pressure the victim to send the excess amount back.
  • A cheque, screenshot, or pending payment view may be used as fake proof.
2.

What happens behind the scenes

What the attacker is trying to obtain

1Overpayment claim
2Fake proof
3Refund request
4Money loss
  • The original payment may not exist, may be reversed, or may later be identified as fraudulent.
  • The money the victim sends back becomes the real loss.
1.

If you fell for it

What to do first

  1. 1
    Contact the bank or payment provider and explain the situation.
  2. 2
    Consider reporting to local law enforcement or consumer protection channels.
  3. 3
    Report the scammer to Discord and block them.
2.

How to avoid it

Where to stop before damage

  • Let the sender or payment provider resolve overpayments on their side.
  • Do not return money before the payment is fully cleared and irreversible.
  • Stop when a refund request moves you to a different payment method.