Ghost transfers: the scam that just won’t quit
The use of fake applications that simulate payment receipts has made ghost transfer fraud more common. Protect your transactions by learning how to avoid falling victim to this scam.
Ghost transfer fraud is on the rise in Latin America, particularly in countries like Brazil and Argentina. Many businesses in Mexico are affected by this type of fraud as they have not yet implemented efficient electronic payment methods. Scammers are now using fake applications to generate fake transfer receipts and fraudulent SMS messages, making it easier to deceive consumers.
How do these applications operate?
These fake applications are mainly distributed through groups on Telegram, as they cannot be uploaded to official stores due to security filters. They mimic the interfaces of neobanks and payment wallets, offering packages with screenshots of fake transfers or messages that simulate bank notifications.
Security agencies have issued warnings about the increase in ghost transfers. Criminals lure consumers with attractive offers for vehicles, works of art, or other items, asking them to make electronic transfers (SPEI) to fake CLABE accounts. It is important for consumers to verify the authenticity of offers directly with the company before making any payments.
Recommendations to prevent fraud
To prevent falling victim to ghost transfer fraud, companies should implement social engineering countermeasures and ensure that all transfers are made directly through their banking applications. Consumers are advised to verify the authenticity of offers, avoid making payments through SPEI without confirmation, and always obtain a document supporting the purchase before making any transfers.
