I just received a really nice and brief email from my insurance company (hereafter referred to as [Company]). Their advice really applies in to a lot of online payment scenarios:

Common Scam Tactics:

• Fake Discounts: No third party can offer discounts on your [Company] bill.

• Payment Requests via Apps: [Company] never asks for payments through Zelle, Venmo, or Cash App.

• Unsolicited Contacts: Be cautious of unexpected calls or emails asking for personal or financial info.

• Urgent Demands: Scammers often pressure you to act quickly.

• Upfront Payments: You never need to pay to file a claim or update your policy.

• Suspicious Payment Details: [Company] will always appear as the payee on your statement

• Impersonation: Scammers may pose as [Company] agents or ask for reset codes — never share them.

• Suspicious links: Unexpected messages often contain links that take you to a fraudulent site pretending to be [Company] .