A little clarity
before you send.

A note from the founder

Hi, I’m Navendu Chandra.

I’m a payments optimist. My career spans more than two decades, including work at PayPal, Visa, and Elavon, part of U.S. Bank. I started zellefraud.com after encountering marketplace scams that borrowed the names of useful payment services. PaymentsFraud.org brings that mission to a wider set of everyday payments.

I know people at Zelle, PayPal, Venmo, Cash App, and elsewhere in payments. Those personal connections deepen my interest in helping consumers understand these services. They do not imply company participation or endorsement.

Why this work matters to me.

Selling on Facebook Marketplace, Nextdoor, and Craigslist brought repeated approaches from supposed buyers: fake payment notices, account-upgrade demands, and overpayment requests. The app name changed; the manipulation felt familiar.

I want people to keep the convenience of digital payments while learning to question suspicious requests. Anyone can be targeted. People deserve practical guidance without blame.

Learn first. Find help when you need it.

We cover Zelle, Cash App, Venmo, PayPal, Apple Cash, bank transfers, and other ways people send money. Our focus is the person making a decision: what to notice, what to verify, and where to go for official help.

From one payment service to everyday P2P.

A request can move between a marketplace, a messaging app, and a payment service. Our guides follow the decision you face across those services: confirm who is asking, understand how you are paying, and check which protections apply before you send.

Independent by design.

This site is not affiliated with or endorsed by the payment services it describes. Provider names identify the services discussed. We are an educational resource, not a bank, law firm, claims handler, or money-recovery service.

The views here are my own. Personal and professional relationships do not give this site access to provider accounts, claim decisions, or special support channels.

Clear about our limits.

Guidance focuses on U.S. consumers. Policies, features, and support routes can change. Individual outcomes depend on the facts and applicable rules; no guide or checklist determines your legal rights or promises reimbursement.

Show the work.

Our guides link to official sources and show review dates. We explain material differences between payment types and label illustrative examples.

Help make the next decision easier.

Share a useful lesson, suggest a correction, or contribute your payments knowledge. A clear explanation can help someone pause before paying or take a more informed next step.