Recognise fraud.
Protect your transaction.
Stop, do not approve the transaction
Identity verification
Transaction monitoring
Documented communication
Buyer approval before release
The most important fraud-prevention rules
1
Keep everything in Rbcpay
Keep terms, messages, files and changes in the transaction record.
2
Verify the other party
Confirm identity, authority, contact details and business information.
3
Never follow unverified changes
Independently confirm new payment, shipping or release instructions.
4
Use trackable delivery
Use approved carriers and preserve complete tracking evidence.
5
Inspect before approval
Confirm condition, quantity, authenticity and performance.
6
Report before release
Raise concerns during the inspection period and before approving.
How Rbcpay helps reduce transaction risk
Verified participants
Account and identity verification controls help confirm who is involved.
Agreed transaction terms
Recorded price, item, delivery, inspection and release conditions are preserved.
Transaction records
Messages, documents, status changes and activity history are preserved.
Delivery evidence
Approved carrier details, tracking information and delivery confirmation are collected.
Inspection periods
Defined time for buyer review and inspection before approval is required.
Controlled funds release
Funds release follows documented terms and required participant authorisation.
Common fraud warning signs
Pressure and urgency
Demands to approve immediately or ignore safeguards.
Off-platform communication
Requests to move important discussions to email, chat or other apps.
Changed instructions
Unexpected payment, recipient, wallet, address or carrier changes.
Identity mismatch
Names, documents, email domains or account details do not align.
Unrealistic pricing
High-value goods offered far below credible market value.
False tracking
Invalid, recycled or destination-mismatched tracking numbers.
Document tampering
Altered invoices, serial numbers, IDs or inspection reports.
Remote access requests
Requests to install software or share screens, passwords or codes.
Overpayment and refund requests
Excess funds followed by pressure to return the difference.
Third-party substitution
A new agent, shipper or recipient appears without verification.
Early release requests
Seller asks for approval before inspection is complete.
Cross-border evasion
Requests to mislabel values, origin, contents or customs information.
What Rbcpay will never ask you to do
- Share your password or one-time security code
- Send funds to a replacement recipient through an unverified message
- Install remote-access software to receive support
- Approve a transaction you have not inspected
- Disable account security or verification controls
- Misrepresent goods, value, ownership or customs information
Protect your account
Account security
- Use a unique, strong password for Rbcpay
- Enable multi-factor authentication
- Protect your email account and recovery options
- Sign out of shared or public devices
- Review active sessions and login alerts
- Rotate passwords if you suspect exposure
Communication security
- Confirm official domain names and email addresses
- Do not trust caller ID alone, verify independently
- Inspect links carefully before opening
- Never open attachments from unknown senders
- Verify requests through a known, trusted channel
- Preserve suspicious messages and evidence
Buyer fraud-prevention checklist
- Verify seller identity and authority
- Confirm exact make, model, serial or VIN, or service scope
- Compare price with credible market value
- Confirm ownership and right to sell
- Require current photos or live inspection when possible
- Record delivery and inspection terms in the transaction
- Use an approved carrier and obtain tracking
- Inspect goods or services before approving
- Document defects, shortages or discrepancies
- Dispute issues within the inspection period
Seller fraud-prevention checklist
- Verify buyer and authorised representatives
- Confirm transaction record before shipping or delivery
- Do not accept screenshots as proof of funds
- Ship only to the agreed and verified destination
- Use signature confirmation and insurance where appropriate
- Record serial numbers, condition and configuration
- Retain packing materials and shipping evidence
- Monitor delivery and confirm receipt status
- Reject unverified rerouting or address changes
- Respond to messages only through Rbcpay
Brokers, agents and business representatives
Authority
Confirm written authority to act on behalf of the buyer or seller.
Identity
Match representative information to the verified account.
Instructions
Record who may change terms, delivery or other conditions.
Fees
Disclose commissions and recipient details in advance.
High-value and cross-border risk controls
- Confirm legal names and addresses of all parties
- Record currency, tax and duty responsibilities
- Use verifiable inspection before approval
- Select an approved international carrier
- Confirm customs and chain-of-custody documents
- Verify roles and consignee details
- Define release milestones in the transaction
- Plan for delays, holds and dispute resolution
Suspicious change? Use the stop, verify, report rule
1. Stop
Do not send, ship, approve, refund or release.
2. Verify
Independently contact the verified party using known details.
3. Report
Notify Rbcpay and preserve all evidence.
If you suspect fraud
1
Pause the transaction
2
Secure your account
3
Preserve evidence
4
Report to Rbcpay
5
Contact appropriate authorities
Evidence to include
- Transaction ID or reference number
- Usernames and legal names
- Dates and times, with time zone
- Messages and email headers
- Invoices, contracts and agreements
- Tracking details and carrier proofs
- Photographs, video and reports
- Device or login alerts
- Payment references and receipts
How fraud reports are handled
1
Report received
Case reference is created and logged.
2
Immediate safeguards
Available restrictions may be considered based on risk and status.
3
Information review
Transaction records and submitted evidence are reviewed.
4
Participant contact
Additional information may be requested from participants.
5
Outcome and next steps
Parties receive available procedural guidance and next steps.
Fraud types by transaction category
Vehicles
Title, lien, condition and delivery fraud
Electronics
Counterfeit, substitution and empty-box fraud
Merchandise
Quantity, authenticity and misdescription fraud
Domains
Ownership, transfer and account-control fraud
Jewellery
Appraisal, provenance, substitution and counterfeit risks
Services
Scope, milestone, completion and impersonation risks
Equipment
Ownership, specs, inspection and shipping fraud
Cross-border
Customs, rerouting, document and identity fraud
Fraud prevention resources
Safety checklist
Practical steps to protect your transaction.
Identity verification
How participant identity is confirmed on Rbcpay.
Approved carriers
See carriers accepted for tracking and delivery.
Dispute procedure
Steps for raising and resolving transaction issues.
Security centre
Guides, alerts and best practices for account safety.
File a fraud report
Report suspicious activity or potential fraud.