DISCLAIMER: Sending money through a payment app is like sending cash — it’s very hard to get it back. Make sure you know who you’re sending money to when you use a payment app. If you’re not sure whether you’re dealing with a scammer, contact the person, bank, or business at a phone number you know to be real to ask if they sent you the request. And know that your bank will never contact you to tell you to transfer money or to ask for personal information or passcodes. Learn more at ftc.gov/phishing.