Spot Account Takeover vs Scam Payment on P2P Apps

    Pin down whether this is account takeover or a scam payment — the recovery paths differ.

    JDCS
    By Jordan Dickson · Reviewed by CSG Security Engineers

    Updated June 2026 · 1 min read

    Pin down whether this is account takeover or a scam payment — the recovery paths differ.

    What to do

      • List every transaction you don't recognise and the device they came from (in 'Settings → Activity / Devices')
      • Check whether your linked email or phone changed recently
      • Check the funding source: bank account, debit card or credit card
      • Save screenshots of the transaction screens before disputing

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    JD

    Written by

    Jordan Dickson

    Founder, CyberSecurityGuides

    Founder of CyberSecurityGuides, writing practical, jargon-free guides that help everyday people recover from and protect against online attacks.

    Reviewed by CSG Security Engineers

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