At DBEX Pay Inc. we are committed to protecting our customers, the public, and ourselves from fraud.

Beware of Fraudsters Impersonating DBEX PAY INC.

Fraudsters may pose as representatives of DBEX PAY INC., contacting you through email, text messages, or phone calls. These criminals may offer advice, request payments, or send links to fake websites.

Our Email Domains

We will only ever email you via the following email domains:

• @dbexpay.co.uk
• @dbexpay.co.uk

If you receive correspondence from any other emails, please forward these to fraud@dbexpay.co.uk

Making Payments

Our banking information for payments is only ever available via our two official product portals:

• client.dbexpay.co.uk
• portal.dbexpay.co.uk

What to do if you suspect fraud

Criminals are continually employing new and inventive ways of defrauding both companies and individuals.

If you suspect you have received a fraudulent call or email, please contact us at fraud@dbexpay.co.uk and immediately end any type of communication with the suspected scammer.

What is an APP Scam?

Authorised push payment scams are where a person uses a fraudulent or dishonest act or course of conduct to manipulate, deceive or persuade someone into transferring funds from their account to an account where:

• the recipient is not who they intended to pay, or
• the payment is not for the purpose that they intended.

Types of Scams

APP scams can come in many different forms, but some common types are:

• Phishing, where a scammer impersonates a trusted organisation to deceive victims into sending money. For example, they might pose as the tax authority and instruct the victim to pay a fake tax bill into their account.
• Purchase Scams, where fraudsters offer products or service to a victim, which they never intend to deliver. These fraudsters usually require prepayment, and then cease all contact with the victim once the funds have been sent.

I’ve been scammed – what do I do?

If you are an DBEX Pay Inc. client, get in contact with us right away at compliance@dbexpay.co.uk. If not, please contact your Payment Service Provider (PSP) immediately.

Additionally, you should report the fraud to the police.

Reporting fraud is critical

The Canadian Anti-Fraud Centre estimates that less than 5% of the total number of fraud victims report their experiences to law enforcement agencies in Canada. By reporting a scam, you provide law enforcement with the information they need to stop fraudsters and help prevent others from becoming victims. The information you provide is important!

Take the following steps if you suspect that you may be or have been a target of fraud.

Step 1: Gather all information about the suspected fraud

All information related to a scam might be useful as evidence. Here’s how you can help:

• Take note of the name of the person who approached you, what they were trying to get you to do, and when it happened.
• If they contacted you by telephone, write down the phone number they used.
• If the contact was online, make printouts or take screenshots of key web pages, such as those focusing on the product or service, the terms and conditions, and payment information.
• Write down or copy and paste the exact website address.
• If you were contacted by email, save a copy and take note of the sender’s IP address, if possible.
• If you found the website using a search engine like Google, provide the search terms you used and indicate whether you clicked on a link or banner ad.
• Keep your notes and all documentation, such as:
  
  • receipts (for mail, credit card payments, wire transfers, money orders, etc.)
  • cancelled cheques
  • copies of emails and/or text messages
  • chatroom or newsgroup text messages
  • shipping envelopes
  • facsimiles
  • pamphlets or brochures
  • phone bills
  • printed or electronic copies of emails
  • printed or electronic copies of web pages

Note: Keep all documents in a safe location in case you are asked to provide them. This information may form an important part of any fraud investigation and could be used as evidence during prosecution.

Step 2: Report the incident to local law enforcement

Reporting fraud or suspected fraud to your local law enforcement agency ensures the police in your jurisdiction are aware that a scammer may be targeting local businesses. It’s especially important to always call the police if you have lost money in a fraud.

Keep a listing of all calls you make to the police and any file number they might provide for your fraud report for future reference.

Step 3: Report the incident to the Canadian Anti-Fraud Centre or the Competition Bureau

Contact the Fraud Reporting System (Canadian Anti-Fraud Centre) or call toll-free at 1-888-495-8501.

You can also file a report of a misleading or deceptive marketing practice with the Competition Bureau using the online complaint form.

Step 4: Report the incident to the financial institution that transferred the money

If you have already sent money, notify the financial institution you sent the money to. This might be a money service business such as Western Union or MoneyGram, a bank or a credit union, a credit card company, or an Internet payment service provider. Tell them you are reporting fraudulent activity associated with their account.

Step 5: Notify the website where the fraud took place (if applicable)

If the fraud took place online, such as through Facebook, eBay, a classified ad website such as Kijiji, or a dating website, be sure to report the incident directly to the website. Details on how to do this can be found under the “report abuse” or “report an ad” links on the respective sites.

Step 6: Place flags on your accounts and check your credit report

In addition to reporting suspected fraud or identity theft to the Canadian Anti-Fraud Centre, you should also contact both of Canada’s national credit bureaus—Equifax Canada and TransUnion Canada—to order a free credit report immediately and ask that a fraud alert be put on your file.

Place a fraud alert on your file:

• Equifax (see “Request a fraud alert””)
• TransUnion (see “Online Fraud Services”)

Order your credit report (information provided by the Financial Consumer Agency of Canada):

• How to get a free credit report