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Apps like Venmo, CashApp and Zelle^® make it easy to send money fast to friends or family. But what happens when there’s a scammer on the other end?

Once you link a payment app to your debit card, credit card or financial institution (FI) account, you’ll be able to send money to your friends’ or family members’ accounts through the app (or with Zelle^®, from your FI account to theirs). Typically, you’re sending money to people you know. So how do scammers convince you to send them money, too?

They often pretend to be a loved one who’s in trouble and asking for money to deal with an emergency. Or they might say you won a prize or a sweepstakes but need to pay some fees to collect it.

In another scam involving Zelle^® – an FI-to-FI transfer app – scammers pose as your bank or credit union and tell you there’s a problem with your account. To “protect” your account, the scammer gives you step-by-step instructions to transfer money from your current account into a new account in your name. But that new account really belongs to the scammer, so after you make the transfer, your money will be gone.

The truth is, 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, FI or business at a phone number you know to be legitimate to ask if they sent you the request. And know that your FI will never contact you to tell you to transfer money or to ask for personal information or passcodes. Learn more at ftc.gov/phishing.

And don’t pay someone who insists that you can only pay with a gift card, payment app, cryptocurrency, or a wire transfer service like Western Union or MoneyGram. If you think you paid a scammer, report it to the payment app. Then report it to the FTC at ReportFraud.ftc.gov.

Learn more at ftc.gov/paymentapps.