How to Check Fake Payment Slips: 7 Verification Tips for Online Stores

Fake payment slips are no longer a distant concern, but a growing silent threat that can continuously cause damage to online businesses. As bank transfers via banking applications or Mobile Banking have become one of the main payment methods, fraudsters are taking advantage of this behavior to create fake proof of payment, or E-Slips, that look increasingly convincing.

For businesses or online merchants that receive a large number of bank transfers from customers each day, verifying bank transfer slips or checking for fake payment slips is an important step that should not be overlooked. Without careful verification, merchants may deliver products or services even though the actual payment has not been received. In this article, KGP has compiled practical ways to identify fake payment slips, key warning signs to look out for, and risk-prevention tips to protect your business from fraudsters. We also introduce how using an online payment gateway can help businesses accept payments with greater confidence and efficiency.

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Key Takeaway

• Basic ways to check fake payment slips include carefully verifying the payment amount, account name, date and time, transaction reference number, font, numbers, bank logo, and text on the slip. Merchants should also scan the QR Code to verify transaction details with the official banking application every time. 
• Common techniques used by fraudsters include using fake slip generator apps or programs, editing slip images, and using scheduled transfer functions before taking screenshots to make it appear as though the transfer has been completed. Therefore, merchants should be cautious of slips that look unusual or contain inconsistent information.
• Businesses that need to verify a large number of payment slips should consider switching to an online payment system. This can help automatically confirm payment status, reduce the burden of manual verification, and lower the risk of encountering fake payment slips. 

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Table of Contents

• 7 Ways to Check Fake Payment Slips: What Should Merchants Look For?
• KGP Online Payment Gateway Helps Automatically Verify Payment Status
• How to Protect Your Business from Fake Payment Slips
• Frequently Asked Questions (FAQs)
• Summary: How to Prevent Fake Payment Slips and Enhance Business Security with KGP Online Payment Solutions

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7 Ways to Check Fake Payment Slips: What Should Merchants Look For?

Today, fake bank transfer slips can be created more quickly and convincingly than ever before, using photo-editing programs, fake slip generator apps, and various fraudulent techniques. If merchants only look at the image of the transfer slip sent by the customer, it can be difficult to distinguish a real slip from a fake one. Therefore, online merchants should carefully verify every payment slip before shipping products or delivering services. Here are 7 ways to check fake payment slips.

1. Check Whether the Money Has Actually Been Credited to Your Account

The first and most important step is to check the actual account balance in your business banking application every time. Merchants should not confirm payment based only on the slip image, as the slip may have been edited or created from scratch. Businesses should consider enabling bank notifications for incoming and outgoing transactions to monitor account movements in real time. This helps reduce the risk of scams, such as scheduled transfers where fraudsters use a screenshot of a pending transfer instruction to falsely claim that the payment has already been completed.

2. Verify the Recipient Account Name and Account Number

Another important detail to check is the recipient account name and account number shown on the transfer slip. Make sure they are spelled correctly and match the merchant’s actual bank account. Merchants should also verify that the payment amount shown on the slip matches the agreed price of the product or service exactly. Some fake slips may be edited only in certain areas, such as the payment amount, or may slightly alter the account name to make it look similar to the real one.

3. Check the Date, Time, and Transaction Reference Number

Merchants should check whether the date, time, and transaction reference number or Transaction ID shown on the slip are reasonable and match the time the customer claimed to have made the payment. The transaction reference number is one of the key details used to verify an actual bank transfer. If the reference number looks unusual, does not match the format normally used by that bank, or cannot be used for further verification, merchants should treat it as suspicious and investigate further before proceeding.

4. Look Closely at the Font, Numbers, and Text Placement

One basic way to check a transfer slip is to observe the overall details of the slip image, such as the clarity of the bank logo, the thickness and consistency of the font, the alignment of numbers, text spacing, and spelling in both Thai and English.

If the slip has been manually edited, there are often visible inconsistencies. For example, the numbers may appear in different sizes, the font may not be consistent, some text may look unnaturally blurred, or there may be traces of editing around important information. However, merchants should use this method together with checking the actual account balance and scanning the QR Code to improve verification accuracy.

5. Verify Transaction Details Using the QR Code on the Slip

Bank transfer slips from all banks include a QR Code that can be used to verify transaction details. Merchants can use a mobile phone camera or the bill/QR scanning feature in a banking application to scan the QR Code on the slip sent by the customer and compare whether the displayed information matches the details on the slip. 

If the QR Code cannot be scanned, the system cannot find the transaction, or the displayed information does not match the slip image, such as an incorrect payment amount, mismatched recipient name, or inconsistent date and time, merchants should treat the slip as suspicious. Products or services should not be delivered until the payment has been clearly verified.

6. Beware of Pressure Tactics from Fraudsters

In addition to checking the slip itself, merchants should also be cautious of urgent or pressuring messages from fraudsters. Scammers often use psychological pressure to make merchants act quickly, such as saying, “I need the item urgently,” “Please ship it immediately, I already transferred the money,” “Please send it right away,” or “I already sent proof of payment, why haven’t you shipped it yet?” These types of messages may cause merchants to panic and forget to carefully verify the payment slip.

7. Use an Online Payment System to Reduce the Risk of Fake Payment Slips

For merchants and businesses that need to verify a large number of payment slips each day, manually checking every slip can be time-consuming and may still involve risks, such as checking the wrong transaction, forgetting to verify the incoming payment, or confusing multiple orders.

Using an online payment system or Payment Gateway that can automatically confirm payment status is another effective option. It helps reduce the burden of manual slip verification and allows merchants to track payment status more clearly and systematically.

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KGP Online Payment Gateway Helps Automatically Verify Payment Status

KGP is an online payment gateway provider under Kasikorn financial business group. It helps businesses securely accept online payments through a wide range of payment methods, including credit cards, debit cards, Mobile Banking, PromptPay QR, online installment payment services, Payment Links+, Meta Pay, and other channels designed to support digital commerce.

For businesses that need to receive multiple customer payments each day, KGP helps improve online transaction management efficiency. For example, Payment Links+ allows merchants to check payment status through a real-time dashboard, enabling business owners and teams to conveniently track incoming payments while reducing the need to manually check slips or bank account balances.

In addition, certain KGP online payment services, such as P2P Transfer or Meta Pay for merchants selling via Messenger chat on Facebook, can automatically send payment proof to the Messenger chat once the customer successfully completes the payment. This helps reduce the risk of relying solely on payment slip images.

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How to Protect Your Business from Fake Payment Slips

Preventing fake payment slip fraud starts with carefully checking every detail on the slip, including the bank logo, font style, numbers, payment amount, date, time, reference number, and recipient name. Merchants should look for accuracy, consistency, and any unusual signs.

Merchants should also always check the actual account balance in their banking application before delivering products or services. If the payment has not yet been credited to the account, the transaction should be put on hold, and the customer should be asked to verify the transfer again.

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Frequently Asked Questions (FAQs)

What Are Common Signs of Fake Payment Slips?

• Some letters or numbers have noticeably different sizes, thickness, or fonts from other parts of the slip, such as the payment amount, date, or time.
• Important text areas appear blurred, patchy, or show signs of image editing or copy-and-paste manipulation.
• The date or time shown on the slip does not match the time the customer claimed to have made the transfer, or in some cases, shows a future time.
• When the QR Code on the slip is scanned using a banking application, the system says no data is found or does not display the payment amount and recipient name.
• The bank logo color looks distorted, or there are spelling errors in the bank name or menu descriptions.
• The account name, account number, or payment amount does not match the actual transaction details.

If any suspicious detail is found, merchants should verify the actual incoming payment in their bank account before shipping products.

What Should Merchants Do If They Encounter a Fake Payment Slip?

If a fake payment slip is found, merchants should collect all relevant evidence, such as the fake slip image, chat history with the buyer, related account details, order records, and shipping information. These documents can be used to file a police report at the local police station where the incident occurred or through the online reporting system of the Royal Thai Police.

Those who create and use fake payment slips may be guilty of document forgery and using forged documents under Sections 264 and 265 of the Thai Criminal Code, which may carry a penalty of imprisonment for up to 3 years, a fine of up to 60,000 baht, or both. 

What Techniques Do Fraudsters Commonly Use to Create Fake Payment Slips?

Fake bank transfer slip applications and programs are increasingly common online. These tools allow fraudsters to manually enter details such as the sender name, recipient name, payment amount, date and time, and transaction reference number.

Fraudsters may also use general photo-editing applications to modify numbers, account names, or certain details on real slips, making them difficult to detect with the naked eye. Another common tactic is using the scheduled transfer feature in a banking application. Fraudsters may take a screenshot showing that a scheduled transfer has been set up, hide certain parts of the message, and use it to deceive merchants into believing that the payment has been completed. They may later cancel the scheduled transfer, causing the merchant to lose the product without receiving any actual payment. Therefore, merchants should always verify the details on the slip, scan the QR Code, and check the actual incoming payment before delivering any product.

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Summary: How to Prevent Fake Payment Slips and Enhance Business Security with KGP Online Payment Solutions

Fake payment slips are a risk that online merchants and businesses should not overlook. Fraudsters can now create or edit slips to look increasingly realistic. Therefore, payment slips should be carefully verified, including the payment amount, account name, date and time, reference number, font, bank logo, text placement, QR Code, and the actual incoming payment in the bank account.

However, for businesses that receive many payments each day, manually checking slips can be time-consuming and prone to error. Using an online payment system can be an important tool to improve transaction management efficiency and reduce the risk of relying solely on payment slip images.

KGP is ready to be an online payment gateway partner for businesses of all sizes, offering a wide range of services such as Meta Pay, P2P Transfer, and Payment Links+. These solutions help merchants track payment status more conveniently, support online sales channels, and make business payment acceptance easier, safer, and more efficient.

KGP, Payment. Make It Smooth.

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LinkedIn : Kasikorn Global Payment

www.kasikornglobalpayment.com

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References 

1. 5 วิธี เช็กสลิปปลอม สกัดมิจฉาชีพให้อยู่หมัด. (2023, November 30). The Government Public Relations Department. https://www.prd.go.th/th/content/category/detail/id/9/iid/237135
2. สลิปปลอม VS สลิปจริง เทคนิคสังเกตความผิดปกติ หลีกเลี่ยงบัญชีมิจฉาชีพ. (2024, May 31). Provincial Police Region 9. https://www.police9.go.th/สลิปปลอม-vs-สลิปจริง-เทคนิ/