SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/sec-one-payment-method

Someone insists you can only pay by wire, crypto, a payment app or gift card. What does the FTC say?

They are probably a scammer.

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  1. That is a normal payment option
  2. Anyone who insists on that is probably a scammer ✔
  3. Choose the one you like best

Why: Scammers choose methods that are hard to trace and reverse. A credit card gives more protection because you can dispute charges.

Huh, didn't know that: In July 2026 the FTC said people reported losing more than $4 billion in the prior year to scams paid by bank transfer or crypto.

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A scammer's favorite payment is the one you cannot take back.
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References

Answer: Anyone who insists on that is probably a scammer. Scammers choose methods that are hard to trace and reverse. A credit card gives more protection because you can dispute charges.

  1. FTC: A way to spot scams: how someone asks you to pay consumer.ftc.gov/consumer-alerts/2026/07/way-spot-scams-how-someone-asks-you-pay
    Anyone who says you can only pay in one of these ways is probably a scammer.
    Checked 2026-10-10.

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Security & PrivacySomeone says you must pay a bill, fine or fee with gift cards. Who does that?Security & PrivacyA caller says you owe money and must pay right now with gift cards. Which of these would ever ask you to pay that way?Security & PrivacyAn email says your payment failed and gives a link to update your card. What is the FTC's rule?

That's stuff everyone should know.