How to protect yourself against APP fraud

Authorised push payment (APP) fraud is where someone tricks you into sending them money from your bank account.

Here are some tips on how to avoid being a victim.


On the subject of paying the wrong people, 3DS data has been wrong for 10 months now. Will it ever display the correct merchant name?


3DS merchant data is extremely difficult to get right. The data we get in during the 3DS flow, to show the notification in the app, is missing most of the data we need to identify a merchant correctly. This means that sometime we simply can’t get the merchant data right :disappointed:.

We’re currently working on 3DSv2, and when release that, and merchants also start using it, our 3DS merchant data should get better.


I didn’t even realise that was an issue for some people. I’ve used 3DS fairly regularly and always had the correct merchant details.

If some merchant data is missing, just don’t display a name in the app, it’s better than it being wrong or changing all the time.

I don’t mean slightly wrong either, the merchant data I see when using AllPay is completely wrong. It’s a completely random company name every time I use it.

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Hmmm, this sounds like a bug. Can you DM me your email address (and some transactions you know where wrong), then I can go track down what’s happening here.

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What happens if the scammer sends some ID like a passport photo?