E-Transfer Question

[james29]

I know people say don’t use this as it’s often a scam. I’m pretty careful and I typically get a message from my banking app if the other person has autodeposit ensabled. If they do I won’t send money. If not, I send money but withhold the password until we meet. This offers some peace of mind.

Now to my question. I have autodeposit enabled on my account. When people pay me via email it’s always deposited immediately.

The other day I sold something on Craigslist and the other person sent me an e-transfer using my cell number instead of my email. Surprisingly it didn’t autodeposit and I had to enter the password after opening the link in my text message.

Has anyone else run into this? Does Interac default to passwords when using text messages instead of email? If this is true it would be a great way to protect yourself by using cell numbers instead of emails as you still retain the password (no autodeposit).

 

[mb22361432]

Pretty sure you can set a preference with your bank as to what contact method has autodeposit enabled. I have two accounts myself, one has my email address set for autodeposit, the other my cell phone number.

 

[Sonny69]

Same as you. When transfers are sent to my email they automatically deposit into my account. When to my mobile, I have to enter a password to deposit.

 

[JackRyder]

I do not see how etransfer is subject to scam when you literally have a banking paper trail to the scammer and can report it.
I have never had a problem, but I visit well-known established ladies only.

 

[mb22361432]

I do not see how etransfer is subject to scam when you literally have a banking paper trail to the scammer and can report it.
I have never had a problem, but I visit well-known established ladies only.

Supposedly you can reverse a transaction if you claim it as fraudulent. According to other forums I visit, its easier for the scammer to claim fraud as its on the scammed to prove otherwise (although you'd probably only do something like this on a larger transfer)

 

[Sophia Fae YVR]

I know people say don’t use this as it’s often a scam. I’m pretty careful and I typically get a message from my banking app if the other person has autodeposit ensabled. If they do I won’t send money. If not, I send money but withhold the password until we meet. This offers some peace of mind.

Now to my question. I have autodeposit enabled on my account. When people pay me via email it’s always deposited immediately.

The other day I sold something on Craigslist and the other person sent me an e-transfer using my cell number instead of my email. Surprisingly it didn’t autodeposit and I had to enter the password after opening the link in my text message.

Has anyone else run into this? Does Interac default to passwords when using text messages instead of email? If this is true it would be a great way to protect yourself by using cell numbers instead of emails as you still retain the password (no autodeposit).

So everyone else is a scammer but you? Lol
In terms of auto deposit, you have to enable auto deposit on specific methods of e-transfer. So if you don’t have auto deposit set up for your phone number, then it will default to password-protected. You can receive an E transfer from any email, but unless you have auto deposit set up for that particular email address, it will just default to password protected too.

But yeah, like the other gentleman commented, maybe only see established providers if you’re concerned.

 

[JackRyder]

Supposedly you can reverse a transaction if you claim it as fraudulent. According to other forums I visit, its easier for the scammer to claim fraud as its on the scammed to prove otherwise (although you'd probably only do something like this on a larger transfer)

The point is small or large you only want to be doing this if you walk on a scammer, not an established lady, they will share your info. I do not think it would be a good idea to do this on a larger amount unless you never went thru with the date,.
Providers can make a claim against you if you reverse a large etransfer after the date, it is not a way to get a refund, and should not be used as one. Not sure what you were implying but I do not want providers to read it that way.

 

[mb22361432]

The point is small or large you only want to be doing this if you walk on a scammer, not an established lady, they will share your info. I do not think it would be a good idea to do this on a larger amount unless you never went thru with the date,.
Providers can make a claim against you if you reverse a large etransfer after the date, it is not a way to get a refund, and should not be used as one. Not sure what you were implying but I do not want providers to read it that way.

Just saying to show that e-transfers are somewhat reversible. I was reading about them when I was selling something of higher value on Kijiji and saw some horror stories about how sellers would buy items using e-transfer, then file a claim a few days after saying it wasn't received. Decided to only take cash for my item as it kinda scared me off.

I figure that scammers wouldn't be doing this on the regular, and would wait for the "big score" so to speak on larger transfers, as you'd think the banks would see a pattern of constantly disputing transfers and investigate.

 

[JackRyder]

Just saying to show that e-transfers are somewhat reversible. I was reading about them when I was selling something of higher value on Kijiji and saw some horror stories about how sellers would buy items using e-transfer, then file a claim a few days after saying it wasn't received. Decided to only take cash for my item as it kinda scared me off.

I figure that scammers wouldn't be doing this on the regular, and would wait for the "big score" so to speak on larger transfers, as you'd think the banks would see a pattern of constantly disputing transfers and investigate.

Well you just made a case against ladies accepting etransfers , they get burn way more often than we do, and I personally like sending full payment in advance.

 

[Crookedmember]

What if I receive a payment to an email address that isn't set up for auto deposit, and I forward it to an email account that IS set up for auto deposit? Will the funds be deposited to my account without a password?

 

[JackRyder]

What if I receive a payment to an email address that isn't set up for auto deposit, and I forward it to an email account that IS set up for auto deposit? Will the funds be deposited to my account without a password?

NO that would be akin to kiting. Like a loophole and why would you want to do that, are you receiving etransfers for a provider?

 

[Crookedmember]

NO that would be akin to kiting. Like a loophole and why would you want to do that, are you receiving etransfers for a provider?

It's not something I would do. I was wondering if it's something the scammers can do.

 

[julius1980]

Once a etransfer was been deposited by a question and password or auto deposit it can never be reversed unless maybe you send it to their fraud department.

What Luciferlynn says is indeed 100% true: once you *see* the funds have arrived in *your* account, it cannot be reversed.

*However* there is an annoying corner case scammers have been abusing. They send you a screenshot from their bank with the confirmation number that shows the auto-deposit completed (yes they actually clicked send), but after sending you the screenshot, they still go and cancel it. I believe this is only possible if the scammer is using a credit union to send the money. More information in the CBC article: https://www.cbc.ca/news/gopublic/etransfers-autodeposit-cancelled-scam-interac-1.6764431

Even the autodeposit e-transfers still require about 30 minutes to complete, giving the scammer a small window of time where they can still cancel it, after making it seem to you like they sent it. Even if you watch a scammer in person typing the e-transfer into their own phone - they still have a chance to cancel it!

 

[james29]

What Luciferlynn says is indeed 100% true: once you *see* the funds have arrived in *your* account, it cannot be reversed.

*However* there is an annoying corner case scammers have been abusing. They send you a screenshot from their bank with the confirmation number that shows the auto-deposit completed (yes they actually clicked send), but after sending you the screenshot, they still go and cancel it. I believe this is only possible if the scammer is using a credit union to send the money. More information in the CBC article: https://www.cbc.ca/news/gopublic/etransfers-autodeposit-cancelled-scam-interac-1.6764431

Even the autodeposit e-transfers still require about 30 minutes to complete, giving the scammer a small window of time where they can still cancel it, after making it seem to you like they sent it. Even if you watch a scammer in person typing the e-transfer into their own phone - they still have a chance to cancel it!

That would seem like a risky scam to try. I send e-transfers regularly, and while some get delayed most of them are very quick. The scammer could try to cancel and then find out they’re too late and the money is gone. I don’t see this working well in this industry. Fake providers asking for deposits is the main scam as they can simply ghost you afterward.

That example in the CBC article is also easy to avoid. Never accept a screenshot from another persons phone. Haven’t people learned this from all the PayPal scams where someone sends you an email that looks like it’s from PayPal to trick you into thinking they sent money?

Log into your bank and make sure funds were actually deposited. I do this when I sell things and haven’t had a problem yet.

 

[james29]

I personally don't book with clients like you who do the I'm not gonna give password before booking time because they think they may get scammed.

It defeats the point of asking for a deposit.

A deposit should be sent and accepted by the provider before the booking date and time to ensure the clients specific date and time stays theirs and doesn't go to someone else. It ensures the client is serious about the booking and not fake booking or wasting our time.

I have no problem sending a deposit to a well reviewed/known provider. That’s not who the scammers are. It’s the new accounts without any history that pose a problem.

 

[Sophia Fae YVR]

I personally don't book with clients like you who do the I'm not gonna give password before booking time because they think they may get scammed.

It defeats the point of asking for a deposit.

A deposit should be sent and accepted by the provider before the booking date and time to ensure the clients specific date and time stays theirs and doesn't go to someone else. It ensures the client is serious about the booking and not fake booking or wasting our time.

Same!

 

[Crookedmember]

A deposit should be sent and accepted by the provider before the booking date and time to ensure the clients specific date and time stays theirs and doesn't go to someone else. It ensures the client is serious about the booking and not fake booking or wasting our time.

I'm sure e-transfers cut fake bookings and wasted time for some.

But the normalization of deposits for sexual services has also spawned a new and rapidly growing industry of scammers who are sucking a considerable amount of potential earnings from the pockets of legitimate providers.

In my town, almost all of the LL ads are scammers seeking emailed cash deposits. Because it's so easy and men are so gullible.

Some transactions are best left cash only. Greed is going to kill the business model.

 

[westwoody]

A transfer without a password isn’t really a deposit.

 

[rubylabellexo]

In my town, almost all of the LL ads are scammers seeking emailed cash deposits. Because it's so easy and men are so gullible.

It's definitely a problem. And the guys out there need to think with their bigger head and spend 15 minutes looking up a provider's reviews/web presence before sending a deposit

Sharing from another post I made...


The more of these a provider has, the better:
- a professional looking website (doesn't have to be fancy, but not full of spelling errors and half-assed)
- presence on social media (IG, Twitter, etc)
- ads on multiple sites
- PERB reviews
- supporting PERB member
- positive responses to asking if people have seen her in the 411 thread
- general good vibes (comes across as genuine, trustworthy, not pushy)