How to avoid P2P payment scams when buying or selling USDT

Check your balance, not the alert

A screenshot, a forwarded SMS or a notification is not money in your account. Kuda, a Nigerian bank, warns that fraudsters use apps built to send fake transaction alerts, says it does not send debit or credit alerts by SMS, and advises confirming a payment through your balance.

As a seller on ZyndPay, release USDT only after you see the payment in your own payment account. Marking an order paid, or sending proof in the chat, does not prove that the money arrived.

Never share a PIN or a code

Mobile money operators repeat the same rule. Orange Côte d’Ivoire tells customers never to share the code used for a withdrawal and never to dial an Orange Money code at a caller’s request, even one who claims to be an Orange agent. MTN Côte d’Ivoire’s rules say your secret code stays secret and that you should validate only operations you started yourself.

No step of a ZyndPay P2P order asks you to share a provider PIN or verification code. Anyone who asks, in the order chat or elsewhere, is not following the order.

Keep the trade inside the order

On ZyndPay, the seller’s stablecoins are held for the order before the buyer pays, payment methods must carry a verified name that matches the trading account, and third-party payments are refused. Those protections only apply inside the order.

Be wary of anyone who offers a better deal to move the conversation or the payment elsewhere, asks you to pay a different number than the one in the order, or asks you to pay twice to fix a problem. Stop and use the order’s dispute process instead.

Know when a payment can be reversed

Some mobile money services let a sender reverse a transfer made by mistake. MTN Ghana, for example, describes a self-initiated MoMo reversal. A buyer could pay, then try to reverse the payment after you release.

As a seller, confirm that the payment is in your account with the agreed amount from the name on the order before you release, and act on any reversal notice at once through your provider and the order’s dispute process.

Primary sources

• Kuda: protect yourself from fake transaction alerts
• Orange Côte d’Ivoire: stop Orange Money scams
• MTN Côte d’Ivoire: the 5 rules of good MoMo use
• MTN Ghana: self-initiated MoMo reversal

FAQ

The buyer sent a screenshot of the payment. Can I release?

Not on the screenshot alone. Check that the agreed amount from the name on the order is in your own payment account first, then release.

Someone from support asked for my PIN or a code. What should I do?

Do not share it. A ZyndPay P2P order never needs your provider PIN or a verification code. Keep the conversation in the order and report the request.

What if a payment is reversed after I released the USDT?

Contact your payment provider at once with the transaction reference, and open a dispute on the order with your evidence. The outcome depends on the provider and the review.