A buyer sends a successful payment screenshot but your account does not show money. The screenshot is used to pressure you into shipping, refunding, or trusting a fake delay story.
Common script
What the message or call may sound like
Payment done. Bank server is delayed. Please ship now and check later.
Mechanism
Why this scam works
Screenshots feel concrete, and sellers do not want to lose a buyer. The scam pushes action before bank confirmation.
Red flags
Stop when you see these signals
Payment screenshot but no money in your own account
Buyer says server delay, settlement delay, or limit issue
Overpayment screenshot followed by refund request
Pressure to ship immediately
Sender refuses normal payment method verification
Do now
If this is happening to you
Check your own bank or wallet app.
Do not ship or release goods until funds are visible.
Ask for transaction ID, but still verify in your own account.
Save chat and screenshot evidence.
Do not
Do not trust screenshot alone.
Do not refund an overpayment that never arrived.
Do not send goods based on a pending or delayed story.
Save evidence
Payment screenshot
Buyer chat
Transaction ID if provided
Your account statement showing no receipt
Prevent repeat risk
Use platform escrow when available.
Ship only after confirmed receipt.
Keep marketplace conversations inside the platform when possible.