How to Recover Your Money Back From a Scammer as Quick as Possible

How Do I Get Money Back From a Scammer? Oh no! The worst thing happened—you just found out that you spent your money too quickly and the website you used turned out to be a scam. What should you do now? Well, first and foremost, please don’t lose hope!

Before we begin, I will show you how to know if your bank is contacting you or an online scammer. It will be a start. It’s better you don’t fall for a scam than try to recover your money. I usually advise people to protect their social media accounts. I had previously published a guide on the Simple Ways Cyber Criminals Hack Facebook Account, so that you Don’t Fall a Victim. I advise you to check it out.

Secondly, don’t click to open unfamiliar package delivery messages or URL links. There are many other things you can do to keep you safe. Therefore, you should scroll down, read carefully and try to safeguard your account against any unauthorized transaction at all. Do that and you’ll save yourself from any stress of recovery at all.

But in either case, if you suspect that you have been scammed from your account, the first thing you should do is try to request a refund. It’s the initial and simplest step to find out if you’re dealing with a legitimate company or scammers. However, it’s important to note that recovering your money from scammers is often much more complicated than just making a simple request.

If you fall into a trap and see yourself dealing with scammers, don’t panic. The process and likelihood of recovering your money depend on the specific payment method you used. It can be any of the following transactions methods below;

  1. PayPal
  2. Debit card/Credit card
  3. Bank transfer
  4. Wire transfer
  5. Google Pay
  6. Bitcoin

Now, let’s explain them one after the other so that you can have Fraud Prevention and protection.


If you made the payment using PayPal, there is a good chance of getting your money back if you were scammed. PayPal provides a mechanism for filing a dispute on their website within 180 calendar days of your purchase. This allows you to take steps towards resolving the issue and potentially recovering your funds. Use the guides below for more help:

Conditions to file a dispute:

In the event that you ordered something online and it hasn’t arrived, PayPal has a straightforward policy. According to their guidelines, if the seller fails to provide proof of shipment or delivery, you are entitled to a full refund.

However, there are other scenarios where you may have received an item, but it doesn’t match what was promised or expected. For example:

  1. If the scammer sends you a completely different item, such as receiving only a PlayStation controller instead of the PlayStation 4 you ordered.
  2. If the condition of the item was misrepresented on the product page, such as it being advertised as brand new but showing obvious signs of use.
  3. If the item is missing parts or features that were not disclosed, like purchasing a shelf that should include assembly screws but they are absent upon arrival.
  4. If you received a counterfeit version of a product that was sold to you as genuine.

In these cases, it’s important to gather evidence and document the discrepancies. You can then proceed to file a dispute with PayPal to seek a resolution and potential refund.

Credit Card or Debit Card

If you made the payment for the online store using a credit or debit card, your best course of action is to contact your card’s bank and inquire about their process for disputed transactions or chargebacks. This process can be quite intricate, and for a detailed understanding, you can refer to resources like the infographic provided by Chargebacks911. It will help you navigate through the steps involved in resolving the issue and potentially recovering your funds.

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But what exactly is a chargeback? According to Money Saving Expert, chargeback is a helpful option when you make an online purchase and encounter issues such as receiving faulty goods, not receiving the goods or services at all, or facing delivery problems due to the company going out of business.

When you initiate a chargeback, your bank will directly contact the merchant’s bank to request a refund to your account if your claim is valid. It’s important to note that you typically have a window of 120 days from the date of payment or from when you noticed the issue to request a chargeback.

Generally, chargeback provides a way for you to seek a refund for various problems you may encounter during an online purchase. Your bank acts as the intermediary to help resolve the issue and potentially recover the funds for you. Remember to be aware of the specific time frame within which you can request a chargeback.

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If you’re in the United Kingdom, there’s a helpful provision called Section 75 of the Consumer Credit Act 1974 that can be your friend. To delve deeper into the details, you can refer to the comprehensive legal text provided by Money Saving Expert.

So, what does it mean for you? Well, this protection ensures that if you paid between £100 and £30,000, you have the right to receive a refund if the item you ordered is not delivered or if it doesn’t meet the expected standards. It’s important to note that Section 75 differs from chargebacks because it’s not a voluntary scheme offered by card providers. Instead, these safeguards are legally enforced to protect consumers like yourself.

I believe that the protection provided by Section 75 is highly beneficial for consumers because it extends to situations where a company disappoints you and subsequently goes out of business. This safeguard ensures that you have recourse even when the company is no longer operational.

However, it’s important to exercise caution when making payments with a credit card. Specifically, be careful not to use a third-party payment method like PayPal when paying by credit card, as this can potentially invalidate your right to make a claim under Section 75. It’s best to directly use your credit card for eligible transactions to maintain the protection afforded by this provision.

Charge back - recover your money from scammers
Charge back – recover your money from scammers

Bank Transfer

According to information provided by on obtaining a refund for a bank transfer, the recommended steps are as follows: If you have been scammed and made a money transfer to another bank, it is crucial to promptly contact your own bank. They can then make efforts to recover the funds on your behalf.

In the event that these attempts are unsuccessful, you have the option to lodge a complaint with your bank or seek assistance from your local financial ombudsman. Additionally, advises that reaching out to the authorities and having a case number available can be beneficial in facilitating the process of recovering your money.

Wire Transfer Service

It’s important to be cautious when using money transfer services. highlights that services like MoneyGram, Pay Point, or Western Union (which are commonly favored by scammers) can make it challenging to recover your money.

The best advice in such cases is to avoid using these payment methods if you have doubts or uncertainties about the transaction. Opting for alternative payment methods can provide you with greater protection and peace of mind.

Unauthorised Mystery Payment

If you come across an unusual purchase on your financial statement or notice a deduction from a company you don’t recognize, it could be an unauthorized withdrawal. Remember, you’re not alone in facing this situation, and there may be measures in place to protect you and potentially offer a refund, depending on your location.

In such cases, it is crucial to contact your bank as soon as possible. They can guide you through the necessary steps and help investigate the unauthorized transaction to ensure your financial security. Meanwhile, there are Healthy Ways to Guarantee Public Cloud Security. They are among the Best Practices & Guidelines anyone can take.

Google Pay

Do you think someone has used your Google Pay account without your permission? Perhaps there has been a strange payment you cannot remember making. Well, don’t worry! Google has a dispute system in place to help you out. Head here to read more on what to do if you wish to dispute, report or cancel a payment.

If you suspect that someone may have used your Google Pay account without your permission or if you notice an unfamiliar payment that you don’t recall making, there’s no need to worry. Fortunately, Google has a dispute system in place to assist you in such situations. You can visit the provided link to learn more about the steps to dispute, report, or cancel a payment through Google Pay. Following the guidelines outlined here will help you address the issue and potentially resolve any unauthorized transactions on your account.

Bitcoin (and other cryptocurrencies)

Regrettably, cryptocurrency transactions are known for being untraceable and irreversible, which presents a significant challenge when it comes to recovering lost funds. In most cases, the chances of recovering crypto coins are extremely slim.

However, you can attempt to contact the company or platform through which you made the Bitcoin transaction and explain your situation, requesting a refund. Ultimately, it is at the discretion of the company to decide whether they can provide a refund based on their own policies and procedures.

It is important to be cautious of fraudulent “recovery agents” who falsely claim to possess expertise and a high success rate in recovering cryptocurrency funds. These individuals or organizations may try to take advantage of your situation.

To gain a better understanding of why these claims are likely to be scams, we recommend reading our article titled ‘Can Cryptocurrency Be Recovered From Scammers?’. It provides valuable insights into the challenges associated with recovering funds and helps you stay informed and protected against potential scams. In the long run, this is What You Need to Know About Scam SMS & Email this year to help protect yourself.

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