Social media platforms like Facebook, Instagram, and TikTok have come a long way from simply being spaces to share photos and connect with friends. Today, they’ve become thriving digital marketplaces where people can browse, buy, and sell various products. You can also find options and deals in social media marketplaces that are often more accessible or more affordable than those found in physical stores.
But as social commerce continues to grow in popularity, so do the risks. Scammers have adapted quickly to these platforms, using fake listings and too-good-to-be-true promos to lure unsuspecting buyers. Some are tricked into paying for items that never arrive, while others are scammed by fake seller profiles that vanish as soon as payment is made.
To help you shop more safely and confidently, this article shares practical strategies to avoid getting scammed on social media marketplaces.
Use Secure and Protected Payment Methods
The method of payment you use can significantly affect your level of protection. In most cases, opting for Cash on Delivery (COD) is one of the safest ways to minimize your risk, especially when transacting with a seller for the first time. This allows you to receive and inspect the item before turning over your money.
However, when using platforms like TikTok Shop, where COD may not always be available or practical, it’s advisable to use a credit card. Most secure credit cards in the Philippines offer better fraud protection and allow you to file a chargeback if the transaction turns out to be fraudulent. If an item is never delivered or significantly misrepresented, credit card providers can often reverse the transaction upon investigation. Just make sure to report it immediately.
You can also boost your payment security by using a credit card with a dynamic CVV. Unlike the usual 3-digit code printed on the back of most cards, a dynamic CVV changes every 24 hours, making it harder for scammers to misuse your card details. The Landers Cashback Everywhere Credit Card, one of the safest credit cards in the Philippines today, offers this feature. Simply open your Maya app and tap the card icon on your credit card dashboard to view the dynamic CVV.
Furthermore, to ensure secure online credit card transactions, use payment methods that are integrated into the platform’s official checkout system. For example, TikTok Shop has a built-in payment system that lets you pay directly through the app. Such systems are generally more secure because they offer buyer protection features and allow for transaction tracking.
Always Research the Seller Thoroughly
Before finalizing any purchase, take the time to examine the seller’s profile or business page. A legitimate seller typically has an established presence, with visible customer reviews, real buyer comments, and consistent activity. Check if the seller’s page has been active for a while and whether they post regularly. Pages that were only recently created or have limited content can be red flags.
Moreover, try to look for customer feedback outside the seller’s page. You can search their name, mobile number, or business name on public Facebook groups. A quick search may reveal if others have previously reported issues with the same seller, helping you decide whether it’s safe to proceed.
Avoid “Too-Good-To-Be-True” Offers
As tempting as they may be, deals that appear too good to be true often come with a catch. Scammers frequently use unbelievably low prices or limited-time offers to lure unsuspecting buyers. These fake listings typically feature stolen product photos, vague item descriptions, and overly enthusiastic captions meant to create urgency.
If you encounter such offers, always compare prices with other legitimate sellers and official stores. If the price difference is too steep, it’s best to pause and investigate further.
Transact Only Through Official Channels
One common tactic scammers use is to take the conversation away from the platform’s official messaging or payment system. They may ask you to continue on Viber, Telegram, or SMS, where there’s little to no buyer protection. For your safety, keep all communication within the platform itself.
When using Facebook Marketplace, make sure to transact only through the Messenger thread that is linked to the listing. This is more secure and trackable than transferring to personal accounts or separate DMs. Keeping transactions within official platforms allows you to take advantage of fraud resolution tools when you need them, including return policies and dispute support.
Additionally, avoid clicking on suspicious links sent through private messages, especially those claiming to be for “order tracking” or “discount vouchers.” These could be phishing links aiming to steal your personal and banking information.
Arrange Meet-Ups in Public and Safe Locations
If you're buying an item that requires a meet-up, such as a second-hand gadget or bulky furniture, always choose a public and secure place. Never agree to meet in secluded or poorly lit areas, and be extra cautious if the seller keeps changing the meeting place or time at the last minute.
Bringing a friend or family member with you also adds an extra layer of safety, especially when dealing with higher-value transactions. Remember, legitimate sellers will understand your desire for a safe and transparent meet-up.
Trust Your Gut Instinct
Sometimes, the best warning sign is your instinct. If something doesn’t feel right, like when the seller is unusually pushy, answers vaguely, or their profile feels off, it’s completely okay to walk away. It’s better to skip a deal than to fall for a scam that could cost you your savings and peace of mind.
Social media has revolutionized the way Filipinos shop, making it easier to discover deals and support startup businesses. However, this ease of access also comes with risks. Scammers are constantly finding new ways to trick even the most experienced online buyers. Having said that, make sure to stay vigilant and consider practicing the strategies mentioned above. It’s always better to take a few extra steps now than to regret losing money later.
