TLDR
The European Payments Council's 2025 Payment Threats and Fraud Trends report identifies social engineering and Authorised Push Payment (APP) fraud as the leading EU payment fraud drivers, amplified by instant payment adoption...
How it works
The European Payments Council's 2025 Payment Threats and Fraud Trends report identifies social engineering and Authorised Push Payment (APP) fraud as the leading EU payment fraud drivers, amplified by instant payment adoption...
Red flags
- Urgent pressure to click, pay, or share codes immediately.
- A link or sender that does not match the official organization.
- Requests for card data, passwords, OTPs, wallet signatures, or bank transfers.
What to do
- 1The European Payments Council's 2025 Payment Threats and Fraud Trends report identifies social engineering and Authorised Push Payment (APP) fraud as the leading EU payment fraud drivers, amplified by instant payment adoption (irreversible, real time) and AI enhanced impersonation.
- 2Because SEPA instant transfers settle in seconds and are hard to recall, the report stresses prevention: verification of payee (Verification of Payee / 'confirmation of payee'), out of band confirmation of any IBAN change, and customer education.
Source
European-Payments-Council
Source reviewed by Mythos Forensic Team
https://www.europeanpaymentscouncil.eu/sites/default/files/kb/file/2026-02/EPC162-24%20v2.0%202025%20Payments%20Threats%20and%20Fraud%20Trends%20Report.pdfFAQ
Is European Payments Council 2025 report: social engineering & Authorised Push Payment (APP) fraud dominate EU payment fraud a real scam pattern?
Yes. Treat the message, call, or payment request as suspicious until you verify it through an official channel.
What are the first warning signs?
Urgent pressure to click, pay, or share codes immediately.; A link or sender that does not match the official organization.; Requests for card data, passwords, OTPs, wallet signatures, or bank transfers.
What should I do first?
The European Payments Council's 2025 Payment Threats and Fraud Trends report identifies social engineering and Authorised Push Payment (APP) fraud as the leading EU payment fraud drivers, amplified by instant payment adoption (irreversible, real time) and AI enhanced impersonation.; Because SEPA instant transfers settle in seconds and are hard to recall, the report stresses prevention: verification of payee (Verification of Payee / 'confirmation of payee'), out of band confirmation of any IBAN change, and customer education.
Can LegalAudit check my case?
Yes. Start a free chat and paste the message, link, sender, or payment details for triage.