What Is Authorized Push Payment (APP) Fraud?

Authorized Push Payment (APP) fraud happens when someone is manipulated into willingly sending money to a fraudster via a person-to-person payment application. Unlike traditional fraud, where a criminal hacks into your account, APP scams rely on deception and trust. Because the transaction is authorized by you, it can be much harder to recover the funds once they’re sent.

How APP Fraud Works

Scammers pose as trusted individuals or organizations and create a sense of urgency or emotional pressure to get you to act quickly.

Common scenarios include:

• Impersonation scams: Someone pretends to be your financial institution, a utility company, or even law enforcement, claiming there’s an urgent issue with your account.
• Invoice or payment scams: You receive a message saying a payment is overdue or that payment details have changed.
• Romance scams: A person builds a relationship with you online and eventually asks for financial help.
• Investment scams: You’re promised high or guaranteed returns and asked to transfer money quickly to “secure” the opportunity.

Warning Signs to Watch For

APP fraud often follows patterns. Be cautious if you notice:

• Urgency or pressure to act immediately
• Requests to move money to a “safe” account
• Instructions to keep the transaction secret
• Messages asking you to change payment details
• Unexpected contact from someone claiming to be a trusted organization
• Requests for codes, passwords, or verification information

If something feels off, trust your instincts.

What to Do if You Suspect a Scam

Taking a few simple precautions can significantly reduce your risk:

• Pause and verify. Never rush into sending money. If you receive a request, contact the person or organization using a known, trusted phone number or website, not the contact information provided in the message.

• Be skeptical of urgent requests. Scammers rely on panic. Legitimate organizations will not pressure you to act immediately or ask you to move money to a different account for “safekeeping.”

• Double-check payment details. If you’re asked to update payment information, confirm the change through a separate, trusted communication channel.

• Protect your personal information. Never share login credentials, one-time passcodes, or sensitive personal details.

• Use strong security practices. Create strong, unique passwords, enable multi-factor authentication when available and keep your devices and apps updated.

If you think you’ve been targeted or have sent money as part of a scam, contact your financial institution immediately to report the incident. The sooner you act, the better the chance of limiting the impact.

Fraudsters are constantly evolving their tactics, but awareness is one of your strongest defenses. By staying informed and taking a moment to verify before you act, you can protect yourself and your finances.

If you ever feel unsure about a transaction or request, don’t hesitate to reach out to our team. We’re here to help keep you safe.

Fraud Awareness and Prevention Center