For small businesses
Handle overpayments through the original channel
An apparent extra payment can become a request for a separate outgoing transfer.
Recognize the request
A buyer claims to have paid too much and wants the difference sent to another person or app. A payment notification may be fake, or the original payment may later be challenged.
Use a documented process
Verify the transaction in your own account. Ask official support how to handle the original payment and use the provider’s appropriate refund process when advised. Do not improvise a separate transfer.
Make the policy clear
Record the original transaction reference, your support inquiry, and any authorized refund. Staff should know that urgency from a customer does not override payment verification.
Sources & further reading
- Venmo · Common scams Provider guidance
- Zelle · Fake payment and account-upgrade scams Provider guidance
Reviewed October 27, 2026. Provider terms and support routes can change.