Know your recipient
Commit now only to send money to people, businesses, or organizations you know and trust. It’s too common these days for scam artists to contact people via text, phone, or mail to request an app payment. There’s never any reason to respond to these types of appeals. You can always contact companies or other entities you have dealings with at a phone number you know to be correct to ask if you owe them money. Odds are you don’t.

In some cases, fraudsters are even posing as government agencies and asking for past-due funds. Remember that government agencies—including the IRS—will never ask for an app-based payment.

If you get an unexpected request for money that looks like it came from someone you know, confirm with them that they did send you the request. Don’t use any contact information included in the request to speak with them.

Check for errors
Some apps don’t allow you to cancel a payment once it’s sent. If you make a typo or select the wrong recipient from a list of search results, you may only get that money back if the incorrect payee does the right thing and returns your funds. It’s worth the few extra seconds to ensure you’ve got the right person.

You can also ask that the person receiving the money send you a request for the funds to avoid this kind of mishap.

Step up your device security
If you’ve got payment apps on your phone and your security game isn’t up to par, a criminal who steals or finds your lost phone can access the app and use it to send themselves money from your account.

It’s recommended by data security experts that you use two-factor authentication on your phone and strong, unique passwords on your accounts to prevent these types of intrusions. If you’re comfortable with it, biometric authentication—like a thumbprint or facial scanning—is ideal for safety purposes.

Use known, trusted apps
With new payment apps popping up all the time, it can be challenging to keep track of which ones are legitimate. If a friend or business is asking you to use an app you’re not familiar with, take the time to research the service online and check reviews. If an app is trustworthy, there will be lots of information available about it on the internet.

Review your linked accounts
As a general security measure, reviewing all your checking and credit card accounts regularly is a sound practice—ideally, at least once a month. If security breakdowns are happening because of a payment app, the evidence is going to show up in the account you have linked to the payment app. By staying vigilant, you can react quickly to any mischief. Along the same lines, setting up transaction notifications for your payment app(s) is a good idea. With so many apps trying to send you updates and alerts, it can get more than a little tedious, but these are notifications you don’t want to forego.

Utilize the protection of credit cards
Speaking of your linked accounts, it makes sense to charge your digital payments to your credit card. As mentioned above, credit cards provide more recourse for fraudulent charges than debit cards. If a situation presents itself in which sending money via an app feels dicey, think about using a credit card instead. A credit card payment will likely be much easier to reverse if things go sideways.

Get the goods first
Scammers want you to do everything quickly so that you don’t stop and think about what you’re doing. If someone insists you pay them with an app before receiving your merchandise—whether online or in person—tell them you’re uncomfortable with that.

Share sparingly
There’s no reason to believe digital payment apps play fast and loose with your personal details more than other apps or websites. However, it’s just wise to never provide more sensitive information—like birthdate, Social Security number, etc.—to an app than you need to. There’s no point in increasing your potential exposure.