Payments scam guide
Bank account mule alert
Money mule accounts are used to move funds from victims through bank transfers, UPI, wallets, or cash withdrawals. Reporting mule details with transaction references can help banks and authorities trace the chain.
Risk signal
Mule account
Severity
critical
Group
Payments
Common identifiers
Add identifiers that can be matched safely across reports, profiles, payments, and evidence without exposing unnecessary private data.
Bank account
Use the exact bank account shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
IFSC
Use the exact ifsc shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
UPI ID
Use the exact upi id shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
Beneficiary name
Use the exact beneficiary name shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
Evidence to preserve
Keep proof in original form where possible. Screenshots help, but transaction IDs, URLs, timestamps, and chat context make moderation stronger.
Bank statement
Capture bank statement with date, time, sender, URL, or transaction context visible where possible.
UTR
Capture utr with date, time, sender, URL, or transaction context visible where possible.
Beneficiary details
Capture beneficiary details with date, time, sender, URL, or transaction context visible where possible.
Payment app receipt
Capture payment app receipt with date, time, sender, URL, or transaction context visible where possible.
First response
These steps reduce further loss and keep your report useful for review, banking escalation, platform reporting, and official complaints.
Report to bank fraud desk
Do this early: report to bank fraud desk helps reduce repeat contact, preserve proof, and keep escalation options open.
File cybercrime complaint
Do this early: file cybercrime complaint helps reduce repeat contact, preserve proof, and keep escalation options open.
Share exact transfer references
Do this early: share exact transfer references helps reduce repeat contact, preserve proof, and keep escalation options open.
Urgent money loss
If money was recently transferred, call 1930 first and raise a bank or payment-app dispute. Speed matters for fund-freeze attempts.
Privacy boundary
Do not upload OTPs, passwords, full card numbers, full Aadhaar, private documents, or unrelated intimate media. Use masked, relevant evidence whenever possible.
Related categories
Similar fraud patterns
UPI trace
Payment fraud
Fake payment links, UPI handles, QR codes, collect requests, refunds, and transfer deception.
QR swap
UPI QR fraud
QR codes or UPI requests designed to make users pay when they think they are receiving money.
Mandate abuse
Subscription and autopay scam
Hidden subscriptions, UPI mandates, trial traps, recurring charges, or cancellation fraud.