⚠️ P2P Scams in Pakistan – What You MUST Know!
P2P (Peer-to-Peer) payment ka matlab hota hai seedha ek user se doosre user ko paisa transfer karna — jaise EasyPaisa, JazzCash, SadaPay, NayaPay, ya Binance P2P.
Yeh fast hota hai, lekin risk bhi high hota hai, kyunki beech mein koi guarantee ya middleman nahi hota.
Pakistan mein Common P2P Scam Tactics
1️⃣ Fake Proof of Payment
Edited screenshots bhejna jaise paisa send ho gaya ho — asal transaction hoti hi nahi ya pending hoti hai.
(Mostly Binance P2P & Facebook groups pe)
2️⃣ Stolen Accounts ka Use
Scammer hacked bank/wallet account se payment karta hai → asal owner complaint deta hai → aapka account freeze.
3️⃣ Reversal Scam
Payment milne ke baad scammer fraud complaint karke paisa wapas le leta hai.
(Meezan, HBL, EasyPaisa, JazzCash mein common)
4️⃣ Underpayment Trick
Deal 100,000 PKR ki, lekin 99,000 bhejta hai aur kehta hai baqi cash de do. Rule: Full payment aane tak release mat karein.
5️⃣ Third-Party Payment Fraud
Kisi teesre bande ka paisa aapke account me bhejwa deta hai → wo banda FIR kar deta hai → aap money laundering suspect ban sakte hain.
Scammer ke Favourite Targets
Binance P2P traders (crypto buyers/sellers)
Facebook / WhatsApp trading groups
Freelancers jo direct EasyPaisa/JazzCash receive karte hain
OLX & Marketplace sellers
Bachne ke 5 Golden Rules
✅ Sirf verified buyers/sellers se deal karein (good feedback check karein).
✅ Payment receive hone ke baad 1–2 hours wait karein before release.
✅ CNIC copy, OTP, ya account access kabhi share na karein.
✅ Agar third-party naam dikhe, deal cancel karein.
✅ Always platform ka chat & dispute system use karein.
🚫 Remember: Fast deals tempting hoti hain, lekin safe deals zyada important hain.