Marketplace scams and fake payments

First assess what is being requested, which channel was used and what has already happened. Do not use the received link or imposed phone number as the verification channel.

Information updated : 2026-09-10

Editorial Trust

Last update
2026-09-10
Sources checked
2026-09-17
Content status
information published with visible sources and clear limits
Official sources cited
5
Editorial responsibility
StopArnaques

StopArnaques is an independent Belgian service. It is not a public authority and does not speak on behalf of the organisations cited.

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Why this page exists

  • Scammers target both sellers and buyers by taking the conversation out of the official channel.

Common situations

  • fake buyer secure payment
  • IBAN to receive money
  • Facebook Marketplace scam
  • 2ememain external payment

What the fraudster is trying to get

  • In cases linked to the marketplace exchange, the usual goal is to trigger an action before you have time to check: click, pay, share a code, or open access to an account.
  • Urgency, fear of losing money and copying a well-known organisation are used to lower your guard. None of these elements proves that the request is genuine.

Check through an independent channel

  • Do not start from the message you received. Open the official website or app yourself, or use a number already shown on a reliable document.
  • Compare the sender, the exact domain, the beneficiary and the action requested. One matching detail is not enough if the rest of the process leaves the official channel.

What to do now

  • Keep payment and messaging inside the platform.
  • Do not give a card to receive money.
  • Refuse external links.

If you have already interacted

  • Stop the exchange. Change the login details you entered through the official app or website and enable two-factor authentication when it is available.
  • Contact your bank quickly if a payment, card, IBAN, code or validation is involved. Keep any useful evidence for a report.

Scope of this hub

  • This hub covers private sales, fake payments, fake transport and leaving the platform.
  • The Vinted file gives an example of a specific process without applying it to all platforms.

Triage and urgency level

  • Check the status in the platform and refuse card forms sent by the buyer.
  • A card entered or an item sent without payment should be reported quickly.

Limit of this classification

  • This hub does not confirm the identity or reliability of a contact. For this family, the first check remains the following: Check the status in the platform and refuse card forms sent by the buyer.
  • A situation may fall under several families. Go to the file whose dangerous action matches the real case: The Vinted file gives an example of a specific process without applying it to all platforms.

Limits of this page

  • This page does not prove that a message is safe and does not replace your bank, the police, Safeonweb, a platform or a public service.
  • A scam may be new, very well written or described with too little context. Use the result as decision support, not as absolute certainty.
  • Before taking a final action, checking through the official channel matters more than the appearance of the received message.

Check through an official channel

  • Type the service address yourself or open the official app. Do not use a phone number, link or QR code from the suspicious message to verify the situation.
  • When money, card details, a code or account access are involved, the safety action comes first. The analysis can then help organise the evidence.

How to read the result

  • A low number of signals does not mean that everything is safe. It only means that this page or analysis did not find decisive evidence with the information available.
  • Focus on the requested action: paying, sharing a code, installing an app, approving a bank action or leaving an official platform. That action matters more than a logo, sender name or polished wording.
  • If the situation feels urgent, step away from the received message first. Then check calmly through a channel you already trusted before the message arrived.

Belgian reading of this situation

  • For the marketplace exchange, focus on the relevant Belgian next step: open the official channel yourself, contact the bank, use Safeonweb or preserve evidence.
  • The right decision for the marketplace exchange depends on what has already happened. Reading a message is not the same as clicking, paying, sharing a code or granting remote access.

Marketplace-specific angle

  • This page covers a broader marketplace risk: buyer pressure, external delivery, escrow wording, transport insurance and forms outside the platform.
  • It is wider than Vinted because it includes several platforms and private-sale contexts. The key question is whether the transaction leaves the protected platform flow.

What to do now without panic

  • If the marketplace exchange worries you, choose the next step from the requested action: clicking, paying, sharing a code, installing an app, sending a document or approving account access. Do not rely only on the logo or sender name.
  • When the marketplace exchange involves an urgent, financial or hard-to-undo action, StopArnaques treats the situation as something that must be checked first. Polished wording, a familiar brand or a realistic amount does not make the request reliable by itself.
  • If you already acted in a case involving the marketplace exchange, the order matters more than the label: contact the bank, platform or official service first, preserve evidence next, then compare the situation with similar campaigns.

What can be legitimate

  • For the marketplace exchange, some notifications can be real: a delivery, invoice, administrative document, payment request, security alert or platform message. This is why this page does not claim that every similar message is automatically a scam.
  • The difference in a the marketplace exchange case is verification. A real request should be visible through the app, portal, customer area or phone number that you open yourself, not only through a link, QR code or number included in the suspicious message.
  • If the official environment does not show the same request about the marketplace exchange, amount, reference or beneficiary, it is safer to stop and report or verify the case before continuing.

Limits and responsibility

  • For the marketplace exchange, StopArnaques helps explain signals and choose safer actions, but it does not replace your bank, the police, Safeonweb, the FPS Economy, a platform or the organisation concerned.
  • A result about the marketplace exchange may remain uncertain when the text is too short, when context is missing or when the fraud uses a new variant. In that situation, slow down, verify independently and avoid any irreversible action.
  • If the marketplace exchange involves a payment, code, card, identity document, itsme approval, banking app or remote access, the protective action comes first. Do not wait for a perfect label if harm may already be possible.

Keep evidence and report

  • For the marketplace exchange, keep the message, date, channel, visible sender, neutralised link and useful screenshots. Do not publish personal data or clickable suspicious links on social media.
  • Report the marketplace exchange to the relevant channel when appropriate, for example Safeonweb for suspicious messages, the platform for account abuse and your bank when money or payment details are involved.
  • This evidence about the marketplace exchange can also help link a campaign to a case later without storing raw personal data. That matters if the system is to improve without exposing users unnecessarily.

Frequently asked questions

How can I recognise the marketplace exchange?

Scammers target both sellers and buyers by taking the conversation out of the official channel. Focus on the action requested, the channel used and any pressure to act quickly.

Can I check the message without opening its link?

Yes. Copy only the text, number or address visible in the detector. Do not open the link and do not scan the QR code to do the check.

What if the message seems to come from a real brand?

Go back to the service by using your own means. The displayed name, logo and even the visible number can be copied. Only a check in the official channel can confirm the request.

Useful official sources

Test an SMS, email, call or link