A sale unexpectedly turns into an approval request
Fictional example: Jonas sells a nearly unused travel bag. The buyer says she has already organised delivery. A supposed courier page now asks for his card number and text-message code so he can receive the money. He stops: the request does not fit his role as seller. He opens the marketplace app himself and finds no matching order. He does not need to investigate the unfamiliar page further or enter more information.
Know the expected process beforehand
Read how your marketplace connects the sale, payment and dispatch. Some services hold money within a protected process and release it after a further step. Therefore, money not yet appearing in your bank account is not, by itself, proof of fraud. What matters is the genuine status in the account you opened independently. For an ordinary bank transfer, check directly with your bank. A message from the other person does not replace either check.
Setting up payouts is different from following a buyer’s link
A legitimate service may require bank information or identity checks when setting up payouts. Begin that process only through your own account and its official help pages. The buyer does not need your password or text-message code. Read what each approval actually authorises. If a supposed incoming payment is really initiating a purchase, adding a device or linking an account, stop and clarify it independently. Do not approve something simply because the buyer says it is routine.
Interrupt three common detours
An alleged activation fee, a required test payment or an extra transport-insurance charge changes the sale you agreed. Do not spontaneously transfer money to an unfamiliar recipient. A QR code is another route to an address or action; it does not make that action trustworthy. Do not install software requested by a stranger to release your money. If the explanation is unclear, contact the official marketplace support through the app or website you opened yourself.
If you have already entered information
Close the suspicious page and note which information or approvals were involved, without sending the codes again. If card details or payment approvals were shared, promptly contact your bank or payment provider using known official routes and ask about suitable protective measures. Secure the relevant account if a password was exposed. Keep messages and times for your report. Acting quickly may help, but it cannot guarantee recovery of a payment that has already been carried out.
Your checklist
The checkboxes are for your own reference. No entries are sent to us. To keep a copy, print the page or save it as a PDF using your browser menu.
Common questions
Can I give my IBAN for an agreed bank transfer?
Recipient information for an agreed transfer is different from card security codes or a banking password. Share only what the chosen payment method requires. If you are uncertain about the person or process, consult the marketplace’s official guidance first.
The person knows my name. Does that prove they are genuine?
No. Names and sale details can come from your listing, chat or other sources. Assess the requested action and verify it in the real account instead of relying on familiar details as reassurance.
The buyer asks for a small fee to release my payment. What should I do?
Check the transaction in the platform account you open yourself. Do not transfer money to a recipient named by the buyer to unlock supposed proceeds. Legitimate platform fees can exist, but should be explainable through official terms and the actual transaction.
Sources and further information
Primary sources from public authorities, consumer organisations and providers. A source may be in another language; follow the guidance that applies to your service and where you live.
- BACS: Betrug bei Kleinanzeigen – Phishing-FalleSource review date:
- FTC: Selling stuff online – avoiding scamsSource review date:
- Kleinanzeigen: Offizieller Ablauf Sicher bezahlenSource review date:
