Online Payment Fraud in Germany: PayPal, Klarna, IBAN Scams

Online payments are convenient, but in 2025, scammers exploit payment systems with increasing sophistication.

PayPal Abuse

"Friends & Family" Scam

Sellers insist on "Friends & Family" instead of "Goods & Services." No buyer protection with Friends & Family. If goods are defective or never arrive, the money is gone.

Fake PayPal Emails

Scammers send convincing payment confirmation emails. Seller ships goods, but no payment exists. Always verify in your PayPal account.

When Does Buyer Protection Apply?

Fake Klarna Invoices

Scammers send fake Klarna invoices via email. The invoice looks real but directs payment to scammer accounts. Only check invoices in the Klarna app.

IBAN Fraud

Invoice Manipulation

Scammers intercept invoices and change the IBAN. Recipient transfers to scammer's account.

Direct Debit Fraud

Stolen IBAN data used for unauthorized direct debits. Dispute within 8 weeks.

Protection Measures

• Always use "Goods & Services" on PayPal
• Verify invoices in official apps only
• Confirm IBANs by phone for large amounts
• Enable 2FA on all payment services
• Use credit cards (chargeback option)

What to Do If Scammed

1. Contact bank immediately (recall possible within hours)
2. Open dispute with payment service
3. File police report
4. Secure evidence

Store evidence with LOCK.PUB — password-protected and shareable with police or lawyer via iMessage.

Use LOCK.PUB to securely store and share evidence of online payment fraud.