If using P2P (person-to-person) or any other instant pay service, don’t purchase products online or from unknown persons. If an online retailer requires payment by a P2P payment service, it’s likely a scam. Never respond to incoming calls or emails requesting codes, emails, phone numbers or any account related information. Scams start with demands for these types of data. This can begin an instant transaction on your behalf and without your knowledge. Diligently check the address, username and/or phone number of the person you wish to pay. If you make a mistake and send payment to the wrong person, it is likely this money is gone or very difficult to retrieve. If you are unsure, send a small amount to the payee and confirm your intended recipient received the payment. Opt-in for stronger security. Almost every popular P2P platform offers the ability to create a personal identification number (PIN). Once that PIN is created, it will be required before any money can be transferred. This additional layer of security helps protect you should your device be compromised or fall into the wrong hands.