{"id":57933,"date":"2022-10-20T20:18:00","date_gmt":"2022-10-20T20:18:00","guid":{"rendered":""},"modified":"2024-01-10T13:20:02","modified_gmt":"2024-01-10T18:20:02","slug":"cyber-safety-101-how-to-keep-your-peer-to-peer-p2p-payments-safe","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/cyber-safety-101-how-to-keep-your-peer-to-peer-p2p-payments-safe\/","title":{"rendered":"Cyber Safety 101: How to Keep Your Peer-to-Peer (P2P) Payments Safe"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/payments\/\">\n\t\t\t\t\t\t\t<span>Payments<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Cyber Safety 101: How to Keep Your Peer-to-Peer (P2P) Payments Safe<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Diane Amato<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2022-10-20T154544.995-1.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"A young woman using a P2P payment app on her computer, holding a credit card\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2022-10-20T154544.995-1.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2022-10-20T154544.995-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2022-10-20T154544.995-1.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Cyber Safety 101: How to Keep Your Peer-to-Peer (P2P) Payments Safe &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/cyber-safety-101-how-to-keep-your-peer-to-peer-p2p-payments-safe\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/cyber-safety-101-how-to-keep-your-peer-to-peer-p2p-payments-safe\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published October 20, 2022 \u2022 4 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p><em>Cyber crime is rising in Canada, affecting individuals, families and businesses alike. That&#8217;s the bad news. The good news is that being cyber safe doesn&#8217;t take a lot of work \u2014 instead, it&#8217;s a matter of knowing what to do to keep hackers and scammers out of your systems and accounts. Our Cyber Safety 101 series is designed to give you some basic tools and tips that can go a long way to protecting yourself, your family and your data in the digital world.<\/em><\/p>\n\n\n\n<p>While P2P payment apps aren&#8217;t as popular in Canada as they are in the U.S., they are growing in popularity. They offer a quick, convenient way to send money to someone via mobile device, often with a single click or a swipe. Plus, you don&#8217;t need to know the other person&#8217;s account details \u2014 you simply search for someone&#8217;s name or phone number in the app to make your payment.<\/p>\n\n\n\n<p>But features that make payment apps attractive may also make users vulnerable to scams. For instance, the simplicity of the apps (you only need an email address or phone number to create an account) makes it easy for scammers to set up an identity. And the speed of transactions \u2014 P2P payments clear instantly \u2014 means users have no time to cancel a payment after it&#8217;s made.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What do P2P scams look like?<\/h2>\n\n\n\n<p>While several P2P scams are making the rounds today, they usually have a few common characteristics.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Often, a scammer is a poser \u2014 pretending to be your bank, a ticket seller or an interested buyer for something you\u2019re selling online.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Then they try to trick you into transferring money to them via a P2P payment. They may say it\u2019s for an overpayment that you need to refund. Sometimes it\u2019s for fake goods or services.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>By the time you realize the transfers weren\u2019t legit, the scammer has deleted their account and disappeared.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">How to protect yourself<\/h3>\n\n\n\n<p>Transferring bank-to-bank is the safest if you need to make a P2P payment. Built-in fraud controls help protect against unauthorized transactions and make it harder for scammers to get away with their tricks and traps. For a safer option, transfer bank-to-bank or with another platform that utilizes similar security mechanisms.<\/p>\n\n\n\n<p>If you have to use a P2P payment app, there are a few ways to help keep your money safe and your account secure.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Keeping hackers out<\/h4>\n\n\n\n<p>To help keep hackers out of your P2P account, be sure to:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Create a complex password when setting up your account<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Add a second step (<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/cyber-safety-101-why-two-locks-are-better-than-one\/\" data-dig-id=\"LP-57933-67c42ece\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"two-factor authentication\" class=\"rbc-link-format\">two-factor authentication<\/a>) before money can be sent<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Use a secure network (<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/cyber-safety-101-4-steps-to-wifi-safety\/\" data-dig-id=\"LP-57933-148b775d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"not free Wi-Fi\" class=\"rbc-link-format\">not free Wi-Fi<\/a>) when using your P2P payment app<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Log out after you\u2019ve completed your transfer<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Avoiding P2P payment scams<\/h4>\n\n\n\n<p>Scammers are savvy and know how to trick people into sending them money. Here&#8217;s how to dodge their tricks.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Only send or request money from someone you know and trust<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Don\u2019t rush. If someone is pressuring you to send payment immediately, it could mean trouble<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Avoid clicking links and sharing personal information requested via email \u2014 your bank and other legitimate businesses will not ask you to share information this way<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Triple-check the transaction details. Once the money is sent, it\u2019s gone \u2014 it\u2019s the same as sending cash<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Looking for more great tips? Our Cyber Security Playbook, <i>The Vault,<\/i> is packed with great tips for securing your social media accounts. And it has more helpful steps and information to boost your cyber skills.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-grey-border-color has-light-grey-background-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Visit&nbsp;<a href=\"https:\/\/www.rbc.com\/cyber-security\/_assets-custom\/pdf\/cyber-playbook.pdf\" data-dig-id=\"LP-57933-96973666\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"The Vault\" class=\"rbc-link-format\">The Vault<\/a>&nbsp;for more tips on keeping yourself and your data cyber safe.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-a05a44e7-8861-45eb-ac87-e0c2ef4895eb\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Cyber Safety 101: How to Keep Your Peer-to-Peer (P2P) Payments Safe &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/cyber-safety-101-how-to-keep-your-peer-to-peer-p2p-payments-safe\/\">\n        <img 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\t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-f0243467-ddab-40ae-b827-145a58af7ca6\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/cyber-tips\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Cyber Tips<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/payments\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Payments<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div 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https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Tax-Tips-Article-Image.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Tax-Tips-Article-Image.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/\">\n\t\t\t\t\t\tUnderstanding Cyber Safety\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/tax-tips-how-taxpayers-can-protect-their-data-this-season\/\" class=\"card-title h4 mar-t-0\">Tax Tips: How 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class=\"card-title h4 mar-t-0\">Cyber Security for Businesses: How to Prevent and Respond to Scams<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_EN.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Paperback booklet on a table.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_EN.jpg 1080w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_EN.jpg?resize=300,225 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_EN.jpg?resize=768,576 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_EN.jpg?resize=1024,768 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/\">\n\t\t\t\t\t\tUnderstanding Cyber Safety\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/digital-safety-and-scams-how-to-protect-yourself-online\/\" class=\"card-title h4 mar-t-0\">Digital Safety and Scams: How to Protect Yourself Online<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-a05a44e7-8861-45eb-ac87-e0c2ef4895eb {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-a05a44e7-8861-45eb-ac87-e0c2ef4895eb {\n\t\t\theight: 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