{"id":97078,"date":"2026-03-10T12:34:12","date_gmt":"2026-03-10T16:34:12","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=97078"},"modified":"2026-03-10T13:56:08","modified_gmt":"2026-03-10T17:56:08","slug":"top-3-fraud-scams-keeping-your-business-safe-when-making-or-accepting-payments","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/cyber-security-for-business\/top-3-fraud-scams-keeping-your-business-safe-when-making-or-accepting-payments\/","title":{"rendered":"Top 3 Fraud Scams: Keeping Your Business Safe When Making or Accepting Payments"},"content":{"rendered":"\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\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tldr\">TLDR<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Credit card fraud occurs through stolen card information and unauthorized charges. Regularly review statements, limit card access to trusted staff, and educate employees on phishing emails to safeguard your operations.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Wire fraud tricks employees into sending money through fake emails posing as executives or vendors. Use two-person verification and confirm unusual requests through alternate channels to protect your funds.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Cheque fraud remains common with overpayment scams and altered cheques. Use fraud mitigation services like RBC Payee Match, secure your cheque stock, and switch to electronic payments when possible to minimize fraud risk.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>When it comes to the impact of fraud on Canadian businesses, losses can affect a company\u2019s ability to pay its expenses, cover payroll or carry on basic day-to-day operations.<\/p>\n\n\n\n<p>According to a 2024 <a href=\"https:\/\/www.payments.ca\/insights\/research\/one-five-canadian-businesses-experienced-payment-fraud-past-six-months\" data-dig-id=\"LP-97078-de229472\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"study\" class=\"rbc-link-format\">study<\/a>\u00a0by Payments Canada, one in five businesses fell victim to payment related fraud in the previous six months, and one in seven suffered financial losses as a result. In fact, businesses fell victim to fraud at higher rates than Canadian consumers, even though a majority felt confident that their business was well protected.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-credit-card-fraud\">1. Credit card fraud<\/h2>\n\n\n\n<p>As many companies both make and receive credit card payments, credit card fraud can have an impact in a few different ways.<\/p>\n\n\n\n<p>For example, when a credit card number is compromised, a fraudster can pose as a legitimate customer and use the card to make purchases at your business online in a \u201ccard not present\u201d environment. Unless these transactions have been authenticated, you will be on the hook to cover these purchases once they\u2019re discovered as fraudulent. The hassle and cost of dealing with such chargebacks can affect your productivity and take you away from running your business.<\/p>\n\n\n\n<p>On the other hand, if your business credit card has been compromised, the financial impacts can be more direct. If a fraudster racks up charges on your account, it may prevent you from covering purchases you may want to make on your credit card. Or, you may (at least temporarily) need to cover the transactions with cash flow reserved for other purposes.<\/p>\n\n\n\n<div class=\"wp-block-group has-rbc-bright-blue-tint-4-background-color has-background is-vertical is-content-justification-left is-layout-flex wp-container-core-group-is-layout-ad009506 wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading\" id=\"h-how-credit-card-fraud-can-happen\">How credit card fraud can happen<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"486\" width=\"1024\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Credit-Card-Fraud-Graphic.jpg?quality=80&amp;w=1024\" alt=\"credit card fraud\" class=\"wp-image-97081\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Credit-Card-Fraud-Graphic.jpg 1427w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Credit-Card-Fraud-Graphic.jpg?resize=300,142 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Credit-Card-Fraud-Graphic.jpg?resize=768,364 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Credit-Card-Fraud-Graphic.jpg?resize=1024,486 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>An employee receives a text link from what appears to be a shipping company, asking for a customs payment to complete the shipment. The employee clicks on the link and enters the details of their business credit card on the website, including the expiry date and CVV. As it turns out, the email and the website were fake, and now your business\u2019 credit card details are in the hands of a scammer who uses the information to make online purchases.<\/p>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Most credit card issuers offer cardholders Zero Liability Protection, which protects businesses against unrecognized transactions made on your credit card. This makes a credit card a secure payment method for businesses. Still, the impact on business operations and cash flow can cause headaches and hassles and affect your business\u2019 ability to perform at its best.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-protect-your-business-from-credit-card-fraud\">How to protect your business from credit card fraud<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Regularly review account statements so you can quickly spot unauthorized transactions<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Avoid sharing credit card details with unreputable sources<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Limit access to credit cards to only a small number of trusted staff<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Regularly update passwords on account sites<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Educate yourself about phishing emails and text messages and put education in place for your employees with&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/business\/beyond-banking\/protect-against-cyber-threats.html\" data-dig-id=\"LP-97078-a1a9e7de\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Kobalt.io\" class=\"rbc-link-format\">Kobalt.io<\/a>.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Learn more here &gt;&nbsp;<a href=\"https:\/\/www.rbc.com\/cyber-security\/?_gl=1*1i3rgxb*_gcl_au*MTc1MTE3ODA2MS4xNzY4MjI5MDQw*_ga*MjE0MjAzODg5MS4xNzY3OTg3Mzcy*_ga_89NPCTDXQR*czE3NzA5MTQ2MzMkbzM3JGcwJHQxNzcwOTE0NjMzJGo2MCRsMCRoMA..\" data-dig-id=\"LP-97078-848fdd2f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC \u2014 Cyber Security\" class=\"rbc-link-format\">RBC \u2014 Cyber Security<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-wire-fraud\">2. Wire fraud<\/h2>\n\n\n\n<p>Wire fraud occurs when criminals trick someone in your business into sending money via a wire transfer. This type of fraud can happen through Business Email Compromise (BEC) or Vendor Email Compromise (VEC) scams, phishing scams, malware, or a combination of tactics that give fraudsters inside information to take advantage of an owner or employee.<\/p>\n\n\n\n<p>The impact on your business can be significant since funds are very difficult to recover \u2014 once a wire transfer is sent, the money is gone.<\/p>\n\n\n\n<p>When security is a top priority for an organization, it becomes embedded into its DNA, and everyone understands the priority cyber security has on delivering business services.<\/p>\n\n\n\n<div class=\"wp-block-group has-rbc-bright-blue-tint-4-background-color has-background is-vertical is-content-justification-left is-layout-flex wp-container-core-group-is-layout-c0ca7d81 wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading\" id=\"h-how-wire-fraud-can-happen\">How wire fraud can happen<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-business-email-compromise\">Business Email Compromise<\/h4>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"486\" width=\"1024\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Wire-Fraud-BEC-Graphic.jpg?quality=80&amp;w=1024\" alt=\"Business Email Compromise\" class=\"wp-image-97086\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Wire-Fraud-BEC-Graphic.jpg 1427w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Wire-Fraud-BEC-Graphic.jpg?resize=300,142 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Wire-Fraud-BEC-Graphic.jpg?resize=768,364 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Wire-Fraud-BEC-Graphic.jpg?resize=1024,486 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>A fraudster hacks into the email of an owner, CEO or another high-ranking executive. They then send a fake email to an employee, requesting an out-of-the-ordinary deposit or transfer while the executive is travelling for business. They tell the employee that the transaction is highly time sensitive, creating a sense of urgency.<\/p>\n\n\n\n<p>Because the fraudster has been monitoring email activity through the business and has done their research, they know to wait for the executive to go out of town so that the email recipient can\u2019t verify the request face-to-face, and they include reasons for not following standard policy or for keeping a request secret: \u201cI plan to make an announcement in the morning. Until then, please don\u2019t tell anyone.\u201d<\/p>\n\n\n\n<p>The large transfer is made to the fraudster\u2019s account, and the business loses the amount transferred immediately.<\/p>\n\n\n\n<div style=\"height:0px\" aria-hidden=\"true\" class=\"wp-block-spacer wp-container-content-d613cd94\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-vendor-email-compromise\">Vendor Email Compromise<\/h4>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"486\" width=\"1024\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Wire-Fraud-VEC-Graphic.jpg?quality=80&amp;w=1024\" alt=\"Vendor Email Compromise\" class=\"wp-image-97087\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Wire-Fraud-VEC-Graphic.jpg 1427w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Wire-Fraud-VEC-Graphic.jpg?resize=300,142 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Wire-Fraud-VEC-Graphic.jpg?resize=768,364 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Wire-Fraud-VEC-Graphic.jpg?resize=1024,486 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>A fraudster hacks into the email account of a trusted vendor or supplier the business works with regularly. After monitoring email exchanges between the vendor and the business, the fraudster sends a fake email requesting an update to banking information or payment details, often timing it to coincide with a legitimate invoice that&#8217;s due.<\/p>\n\n\n\n<p>Because the fraudster has been watching the email exchanges, they know the typical payment schedule, invoice amounts, and communication style. They craft a convincing message that references recent work or orders: &#8220;As we discussed last week, we&#8217;re completing the delivery on schedule. We&#8217;ve recently updated our banking system \u2014 please use the new account details below for this month&#8217;s payment.&#8221;<\/p>\n\n\n\n<p>The fraudster may also add urgency to avoid verification: &#8220;Our finance team needs to reconcile accounts by end of day, so please process payment as soon as possible using these new details.&#8221; Since the email appears to come from the vendor&#8217;s legitimate email address and references real business activity, the employee processes the payment to the fraudster&#8217;s account.<\/p>\n\n\n\n<p>The business only discovers the fraud when the real vendor follows up about an outstanding payment \u2014 by then, the funds have already been transferred to the fraudster and are difficult to recover.<\/p>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Wire fraud largely relies on social engineering tactics more than sophisticated technical applications, so your employees and your internal procedures will be the best defence against such scams.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-protect-your-business-from-wire-fraud\">How to protect your business from wire fraud<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Educate your employees about phishing and BEC scams. Consider installing a formal 365 testing program to help staff identify suspicious emails. For example, <a href=\"https:\/\/www.rbcroyalbank.com\/business\/beyond-banking\/protect-against-cyber-threats.html\" data-dig-id=\"LP-97078-c6f4e059\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Kobalt\u2019s\" class=\"rbc-link-format\">Kobalt\u2019s<\/a> User Education tool&nbsp;sends fake phishing emails to staff to test awareness and measure vigilance.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Carefully review all account numbers before any money is sent<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Adopt a \u2018stop and think\u2019 approach to strange behaviour<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Implement two-person verification processes \u2014 two sets of eyes on a transaction are better than one<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Confirm requests through alternative communication methods, such as a phone number you have used before. Don\u2019t use the contact information included in the email<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-cheque-fraud\">3. Cheque fraud<\/h2>\n\n\n\n<p>While electronic and card payments have replaced cheques across many business transactions, Canadians still made <a href=\"https:\/\/www.payments.ca\/sites\/default\/files\/PaymentsCanada_Canadian_Payment_Methods_and_Trends_2025_EN.pdf\" data-dig-id=\"LP-97078-b358374d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"340&nbsp;million cheque transactions in 2024, valued at $2.7 trillion\" class=\"rbc-link-format\">340&nbsp;million cheque transactions in 2024, valued at $2.7 trillion<\/a>. These high numbers keep the door open for cheque fraud, which continues to be pervasive across Canada. Cheque fraud can happen in a few different ways \u2014 through the theft of cheques, the creation of fraudulent cheques or by changing the name or amount of a legitimate cheque.<\/p>\n\n\n\n<div class=\"wp-block-group has-rbc-bright-blue-tint-4-background-color has-background is-vertical is-layout-flex wp-container-core-group-is-layout-8cf370e7 wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading\" id=\"h-how-wire-fraud-can-happen-0\">How wire fraud can happen<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-cheque-theft-and-alteration\">Cheque Theft and Alteration<\/h4>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"486\" width=\"1024\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Cheque-Fraud-Alteration-Graphic.jpg?quality=80&amp;w=1024\" alt=\"Cheque Fraud Alteration Graphic\" class=\"wp-image-97102\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Cheque-Fraud-Alteration-Graphic.jpg 1427w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Cheque-Fraud-Alteration-Graphic.jpg?resize=300,142 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Cheque-Fraud-Alteration-Graphic.jpg?resize=768,364 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Cheque-Fraud-Alteration-Graphic.jpg?resize=1024,486 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>A fraudster steals cheques by intercepting mail, breaking into offices, or obtaining them from unsecured locations. Once they have a legitimate cheque from your business, they alter the payee name or amount using chemicals or digital manipulation. The fraudster then cashes or deposits the modified cheque before the alteration is detected.<\/p>\n\n\n\n<p>In some cases, fraudsters create entirely counterfeit cheques using stolen cheque stock or account information obtained from discarded cheques. By the time your business discovers the fraudulent transactions during account reconciliation, the funds have already been withdrawn and the fraudster has disappeared.<\/p>\n\n\n\n<div style=\"height:0px\" aria-hidden=\"true\" class=\"wp-block-spacer wp-container-content-d613cd94\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-overpayment-scams-receiving-fraudulent-cheques\">Overpayment Scams: Receiving Fraudulent Cheques<\/h4>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"486\" width=\"1024\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Cheque-Fraud-Overpayment-Graphic.jpg?quality=80&amp;w=1024\" alt=\"Cheque Fraud Overpayment Graphic\" class=\"wp-image-97103\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Cheque-Fraud-Overpayment-Graphic.jpg 1427w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Cheque-Fraud-Overpayment-Graphic.jpg?resize=300,142 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Cheque-Fraud-Overpayment-Graphic.jpg?resize=768,364 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Cheque-Fraud-Overpayment-Graphic.jpg?resize=1024,486 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>A fraudster engages a company and requests a quote for services. Once the quote is sent, the fraudster \u2018pays for the service upfront,\u2019 which provides a false sense of comfort to the unsuspecting company.<\/p>\n\n\n\n<p>The cheque the fraudster sends is intentionally made out for more than the invoice amount. The cheque is sent directly to the company via courier or to the bank to be credited to the company\u2019s account. Subsequently, the person who wrote the cheque advises the company of the overpayment and requests that the excess funds be returned.<\/p>\n\n\n\n<p>The cheques used in overpayment scams are fraudulent or counterfeit, and the victims return the overpayment amount before the cheque clears. By the time the company is alerted that the cheque is fraudulent, they\u2019ve already lost their funds.<\/p>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-protect-your-business-from-cheque-fraud\">How to protect your business from cheque fraud<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Use a cheque mitigation service, such as RBC Payee Match. With Payee Match, organizations meeting certain criteria provide RBC with the details of the cheques they intend to use. Any cheques that do not match those details will be flagged as exceptions, which allows businesses the option to pay or return the cheque.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Businesses accepting payments via cheques should question cheques arriving at your business earlier than expected or for a larger amount than expected.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Keep your cheques in a secure location<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Review your accounts regularly so it\u2019s easy to spot unauthorized transactions and avoid issuing cheque payments for potentially fraudulent transactions<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Shred unused cheques from closed accounts<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Switch to electronic payments whenever possible and convenient<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>While payment scams have become more prevalent over the years, the solutions to mitigate risk and loss have evolved. Many online banking systems, such as Cheque Pro, are available for businesses to monitor their activity, designed to assist you in spotting issues on a timely basis. Keeping your prevention tactics top of mind \u2014 and adopting systems that can help you stay informed about unusual activity \u2014 can go a long way toward protecting your business from fraud and allowing you and your team to stay focused on your business priorities.<\/p>\n<\/div>\n<\/section>\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","protected":false},"excerpt":{"rendered":"<p>Actionable advice and fraud prevention tactics to keep your business safe from payment scams in 2026.<\/p>\n","protected":false},"author":90,"featured_media":97080,"parent":57323,"menu_order":0,"template":"wp-custom-template-mmm-sticky-nav","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[524],"rbc_content_type":[31],"rbc_audience":[110],"rbc_lob_group":[35],"rbc_difficulty_level":[33],"rbc_mmm_category":[305,321,376,387,324,304,326,390,375],"class_list":["post-97078","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-cyber-security","rbc_content_type-article","rbc_audience-business-owners","rbc_lob_group-business","rbc_difficulty_level-beginner","rbc_mmm_category-business","rbc_mmm_category-cyber-security","rbc_mmm_category-cyber-security-for-business","rbc_mmm_category-making-and-receiving-payments","rbc_mmm_category-managing-your-business","rbc_mmm_category-money-academy","rbc_mmm_category-right-sized-business-advice","rbc_mmm_category-small-business","rbc_mmm_category-understanding-cyber-safety"],"acf":{"contently_publication_id":"","custom_author":"Royal 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