CHOICE has spoken to several finance and cyber security experts and their common conclusion is that a lack of awareness of PayID among consumers is leading to it being co-opted by criminals. Therefore, any money sent to a buyer in an effort to smooth out a PayID transaction is going to a scammer. They may also claim to have a minimum transaction limit on their account that is more than the cost of the product being exchanged and ask you to reimburse the difference. Once you’ve received this phoney message, the scammer will then usually say they have paid for the necessary upgrade out of their own pocket and ask you to reimburse them, often for hundreds of dollars. "If you check, there’s an email that looks very much like a bank email saying there’s a problem with your PayID" References: payidpokies1