Every seller meets the same handful of scams, because they work on beginners. Here they are — with the FTC and FBI documentation of how each one mechanically works, and the payment rules that decide whether you keep your money.
| Route | Protection for you as seller | The official wording |
|---|---|---|
| PayPal Friends & Family | None | “Personal payments aren't covered by PayPal Purchase Protection” — and PayPal itself flags F&F requests from buyers as a scam sign. |
| Venmo (untagged) | None | Only payments tagged as purchases are eligible for protection; the seller pays a small fee on tagged payments. |
| Cash App | None | “Payments are instant and usually can't be canceled” — Cash App's own safety page tells you not to pay strangers for future promises. |
| Platform with escrow + KYC | Structural | Buyer funds clear before delivery; both sides are ID-verified; disputes have a process. |
One more wrinkle the listicles skip: PayPal's acceptable-use policy restricts “certain sexually oriented materials or services” — payment apps aren't just unprotected for this niche, they can freeze accounts over it. Platforms with built-in payments exist for exactly this reason.