Quick answerImmediately call your wallet or bank helpline from the official app or the back of your card, report the transaction ID as fraud and ask them to block the receiving account. Then file a complaint with NCCIA (or your country's cyber crime agency), share the reference with your bank, and never pay anyone who promises to "recover" the money for a fee.
Payment fraud in Pakistan usually looks like one of these: a fake buyer or seller on OLX or Facebook Marketplace, a "wrong transfer, please send it back" message, a fake customer-care agent, a prize or BISP message asking for a fee, or a part-time job that asks you to deposit money to unlock earnings. Whatever the story, the steps afterwards are the same.
The first hour
- Call your wallet or bank helpline. Use the number inside the official app or on your card, never a number from a Google search result or social media post, because fake helplines are common.
- Give them the transaction ID, amount, time and the receiving number or account. Say clearly: "This was fraud. Please block the beneficiary account and raise a fraud dispute."
- Write down the complaint or ticket number and the name of the agent.
- If the scammer got your PIN, OTP or password, ask the bank to block your account or card too, then change your PIN in the app.
Within 24 hours
- File a complaint with the National Cyber Crime Investigation Agency (NCCIA) and attach screenshots, the transaction ID and your statement.
- Send the NCCIA reference number to your bank or wallet so it is attached to your dispute.
- Report the scammer's number to your mobile operator and through the PTA complaint portal.
- Warn friends and family if the scammer used your name or account.
The recovery-agent trap
After you post about being scammed, you may be contacted by "recovery experts", "hackers" or fake officials who promise to get your money back for an advance fee. This is a second scam aimed at victims. Real agencies never charge you to investigate.
Spotting the next one
- Anyone asking you to send money to "receive" a prize, refund or salary is a scammer.
- A real "wrong transfer" is reversed by the bank, not by you sending money to a stranger.
- Check unknown numbers and wallet accounts with Drofsecurity's free payment checker before paying a new seller.
- Never share an OTP. Your bank will never ask for it on a call.
Frequently asked questions
How long do I have to report JazzCash or Easypaisa fraud?
Report it immediately. Scammers move money onwards within minutes to hours, so the sooner the receiving account is blocked, the better the chance of recovery.
Can a bank reverse a fraudulent transfer?
A bank can freeze funds still in the receiving account and raise a dispute, but it cannot guarantee a reversal once the money is withdrawn. Fast reporting and an official complaint improve your chances.
Someone sent money to me by mistake and asks me to return it. What do I do?
Don't send anything back yourself. Tell them to contact their bank, and report it to your own bank or wallet. Fake "wrong transfer" messages are a common scam.