Works with wire transfers, Zelle, Venmo, Cash App, and any "send money now" request.
🔒 Content you paste is never stored, logged, or shared. It is processed server-side and discarded immediately after your result is returned. For any request claiming to be from your bank or title company, verify by calling a number you look up independently before sending anything. This tool informs your decision — it does not guarantee outcomes.
The Fraud Patterns
The six ways send-money fraud arrives.
Nearly every irreversible-payment scam is a variation of one of these patterns. The AI checks your situation against all of them.
"Your account is compromised — move your funds to this protected account." Banks never ask you to move money to safety. The "safe account" is the scammer's.
Real estate wire fraud: hackers sit inside a hacked email thread, then send new wiring instructions right before closing. Always verify changes by phone with a known number.
Bail, hospital bills, stranded abroad — urgent, emotional, and demanding a transfer before you can verify. Pairs increasingly with AI voice cloning.
Deposits for pets, vehicles, rentals, or equipment you haven't seen, to a stranger, via an irreversible method. If it exists, it can wait for a reversible payment.
They "accidentally" send too much — with a fake or reversible payment — then ask you to wire back the difference in real money. The original payment later evaporates.
Insisting on Zelle or a wire specifically, refusing cards, PayPal Goods & Services, or cash on pickup, is choosing irreversibility on purpose. Ask yourself why.
Examples
Three payment requests, analyzed.
From clumsy to catastrophic — the same irreversible-payment mechanic at three levels of craft.
"Grandma it's me, I'm in trouble, my phone broke this is my friend's number. I need $800 by Zelle right now, please don't tell mom."
New number, no name, instant money demand, secrecy request. Crude — but sent to ten thousand grandparents, it only needs to work once. One callback to the real grandchild's number ends it.
"This is Chase fraud prevention. We've flagged a $2,400 Zelle transfer. To reverse it, you'll need to authenticate by sending a matching Zelle payment to your own registered email — this cancels the fraudulent one."
Spoofed caller ID, calm professional script, real bank name. The fatal logic flaw: no bank reverses fraud by having you send more money. "Send a payment to cancel a payment" is always, without exception, the scam itself.
Two days before closing, an email arrives from your title company's exact address — same thread, same signature, same escrow number — with "updated wire instructions per the lender." The account name even matches the title company.
This is business email compromise: criminals read the real thread for weeks, then strike at maximum time pressure. Average losses run six figures. The only defense is procedural: call the title company on the number from your original documents — never from the email — before wiring a cent.
Common Questions
About wire and payment app fraud.
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