What is a fake slip? What are the methods to check money transfer slips?
A fake slip is a form of money transfer slip forged using applications and various techniques, causing damage to businesses and shops from selling products without receiving payment.
Fake slips are no longer a distant issue, but a silent threat that continuously causes millions in damages to online businesses. In an era where money transfers via applications (Mobile Banking) have become the main channel for payment, scammers can seize the opportunity to forge money transfer evidence (E-Slips) very realistically.
For businesses or shops that have to receive money transfers from customers all day, verifying bank transfer slips or checking for fake transfer slips has become a very important part of the work. Therefore, KGP recommends methods for checking accuracy, spotting fake slips, and using Payment Gateways to enhance payment acceptance security more effectively.
Key Takeaways
- A fake slip is a transfer slip that has been edited or newly created using an app or program, even though the money was not actually transferred. It is often used to trick online shops and businesses into shipping goods or confirming payment erroneously.
- Popular techniques used by scammers include using apps or programs to create slips and using the scheduled transfer function, then capturing the screen to look like a successful transfer. Therefore, one must be especially wary of slips that look unusually smooth.
- Basic methods to check for fake slips are to examine fonts, numbers, logos, and text on the slip in detail, scan the QR Code to compare data, and check the balance and transfer time in the actual bank app every time.
- Businesses that need to check a large number of slips should switch to using an online payment system for safety. This system automatically verifies the amount, providing confidence and reducing the risk of encountering fake slips.
Article Contents
- What is a fake slip? What are its characteristics?
- Be aware of techniques and channels for creating fake slips
- Detailed methods for checking fake slips
- KGP Online Payment System, check transfer slips immediately and automatically
- How to protect yourself from becoming a victim
- Frequently Asked Questions (FAQs)
- Summary of what you should know about fake slips and keeping your business safe with KGP
What is a fake slip? What are its characteristics?
A fake slip is electronic proof of transfer (E-Slip) that is intentionally forged, whether by using image editing programs, apps mimicking bank slips, or using AI tools to generate slips that look like there was a real money transfer from an online transaction, even though no actual transfer took place.
Using a fake slip is considered a form of fraud, with the main objective being to trick online shops into sending goods or to trick the accounting department into thinking payment has been made. Therefore, even if the slip looks real, if the account balance doesn't move, or scanning the transfer slip via QR Code reveals mismatched information, there is a very high chance that it is a slip used for financial deception.
Be aware of techniques and channels for creating fake slips
Being tricked by fake slips often starts with simple but very realistic techniques. This is a characteristic of cyber threats, similar to mule accounts and Call Center gangs. Knowing what methods are used to make fake slips will help businesses protect themselves better.
Applications and programs for creating/editing slips
Currently, there are many programs and fake slip apps spreading in the online world. Users can enter the sender's name, recipient's name, amount, date-time of transfer, account number, and even reference code, and the app will generate a slip image that looks like the real thing in almost every point. This causes many people to be cheated online, especially online shops.
Additionally, some apps do not even require specialized programs; just using photo editing apps on a mobile phone can edit numbers or names on the slip. This makes it so that just looking at the slip with the naked eye might make it indistinguishable from a real one.
The pre-scheduled transfer scam
Another frequently discussed technique is setting up a scheduled transfer via a bank app. Scammers will set a transfer order to the victim's account for a future date and time, then view the list page and capture the screen of the slip showing the status as "scheduled transfer successful." They then crop or cover this message part to show the shop only the image of a successful transfer slip, even though the money has not actually entered. The shop ships the goods, and the scammer later cancels the transfer order.
Slips obtained from this method look very credible, especially if one is not fluent in reading English or does not observe the text on the money transfer slip in detail. Therefore, one must be especially careful and not observe just the overall picture.
Detailed methods for checking fake slips
Forging money transfer slips today can be done more realistically and quickly, using image editing programs, slip creation apps, and various techniques. If looking only at the transfer slip image, it is almost impossible to distinguish real from fake. Checking whether a money transfer slip is real can be done through the following methods:
Observation points: Overall look, text, numbers, and consistency
One of the basic methods that can be used to check transfer slips is to examine the overall look of the slip in detail, including the sharpness of the bank logo, the thickness of the text, the alignment of numbers, as well as the spelling of text on the transfer slip in both Thai and English names.
If it is a fake slip edited point by point, there is often inconsistency, such as uneven number sizes, strange spacing, or unnaturally blurred text in some spots. Looking at these details together with other information will help catch discrepancies more easily.
Verify accuracy with QR Code
Money transfer slips from every bank have a QR Code that can be used to verify transaction information directly via a bank app. For example, using a mobile camera or the Scan Bill/QR menu in a bank app to scan and check the QR image on the slip sent by the customer, then seeing if the information displayed matches what is stated on the slip.
If it cannot be scanned at all or the information displayed does not match the slip image, assume first that it might be a fake slip and do not hand over goods or services until clearly verified further.
Check the balance and transfer time in the actual account
Always open and check the balance in your own bank app to see if the money has entered according to the amount and time claimed by the customer. If the money has not entered, it is not considered a successful payment, even if the slip looks credible. Additionally, you should subscribe to notification services for money in-out with the bank to compare with the time on the slip and help reduce the risk from scheduled transfer scams that use future transfer order screens to trick you into thinking the transfer is done.
Using an Online Payment System for maximum security
For shops and businesses that need to check a large number of transfer slips each day and require maximum accuracy, checking QR codes to scan transfer slips or verifying transfer reference numbers manually inevitably involves risk and takes a long time. Using an online payment acceptance service that comes with a protection system will help reduce the risk from fake slips completely.
Currently, online payment service providers have developed Payment Gateways that help elevate online transaction management and truly reduce risks from fake slips. They can verify the accuracy of transactions immediately when connected to the backend system. For example, Meta Pay and P2P Transfer services from KGP; the system leads the customer to the bank app, and when the transfer is successful, the system automatically sends payment evidence to the Facebook Messenger chat.
KGP Online Payment System, check transfer slips immediately and automatically
KGP is an online payment acceptance service under the Kasikorn Financial Group that helps businesses accept online payments securely via various channels such as credit cards, debit cards, Mobile Banking, PromptPay QR, online installment services, Payment Links+, Meta Pay, and other channels that meet modern sales needs.
KGP has developed diverse payment acceptance services to reduce the risk from fake slips and elevate online transaction management efficiently. It helps businesses check payment status accurately via a real-time dashboard, thus reducing the workload of staff and business owners in checking slips or incoming balances manually. Especially, certain types of online payment services can verify the accuracy of transactions immediately when connected to the shop's backend system.
How to protect yourself from becoming a victim
Protecting yourself from becoming a victim of fake slips should start with carefully checking details on the slip, including the bank logo, font style, numbers, amount, date, time, and reference number, to see if they look complete and consistent or if there are any irregularities.
Also, include checking the incoming balance in the bank app every time before handing over goods or services. If the money has not been received, suspend the buying-selling process and ask the customer to check the transfer again.
Frequently Asked Questions (FAQs)
What is the penalty for forging a slip?
Forging a slip is considered an offense of forging documents or electronic cards, punishable by imprisonment of up to 3 to 5 years and a fine of up to one hundred thousand baht, depending on the nature of the act and the applicable legal sections.
Must I file a police report when finding a fake slip?
You should file a police report every time you find or suspect a fake slip so that the police can investigate, gather evidence, and prosecute the offender, as well as use it as evidence to prevent damage to yourself and others in the future.
Summary of what you should know about fake slips and keeping your business safe with KGP
After knowing how to check for fake slips, using safe tools will increase efficiency in accepting payments. Kasikorn Global Payment (KGP) is ready to be a reliable partner with diverse services such as Meta Pay / P2P Transfer, suitable for online shops selling via Facebook/Messenger that automatically verify amounts via chat to reduce the risk of fake slips, or Payment Links+ that allow real-time payment status checks, making every online business transaction easy and safe.
KGP is thus a comprehensive online payment service, both in terms of security, supporting various payment acceptance channels, and having an after-sales service team ready to take care of and consult throughout the usage.
KGP, Payment. Make It Smooth.
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References
1. 5 Ways to Check Fake Slips, Stop Scammers in Their Tracks. (2023, November 30). The Public Relations Department. https://www.prd.go.th/th/content/category/detail/id/9/iid/237135 2. Fake Slips VS Real Slips, Techniques to Observe Irregularities, Avoid Scammer Accounts. (2024, May 31). Provincial Police Region 9. https://www.police9.go.th/สลิปปลอม-vs-สลิปจริง-เทคนิ/
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