How to spot a fake payment slip · 5 checks before you get scammed (2026)

Thai sellers lose millions of baht a month to fake payment slips · The victims are not careless. Today's fakes are convincing enough that someone who has read slips for ten years still can't spot one in a few seconds · Here are 5 practical ways to check a slip when a customer sends one, with the trade-offs of each.

1. Compare the slip's timestamp to when the customer sent it

Most fake slips are edited from an older, real slip · Once someone tweaks the amount or the recipient's name, the timestamp usually stays wrong · How to check: look at the transfer time on the slip and compare it to when the customer sent the image in chat · If the transfer time is more than 30 minutes old, be cautious.

Limitation: Some real slips (like transfers a customer actually did earlier) legitimately have a gap · Treat this as a signal, not a verdict.

2. Check that the destination account is really yours

Some scammers send you a real slip that went to someone else's account, hoping you won't look closely · Minimum check: look at the destination account number on the slip. The last 3 digits must match your own PromptPay account.

Limitation: Sellers with multiple accounts and multiple PromptPay numbers (personal + company) find this hard to remember · Sellers with several staff answering chat miss it even more easily.

3. The amount on the slip must match exactly

A fake slip made from an old one usually has an amount close to the agreed price but not exact · For example, you agreed on ฿580 but the slip shows ฿500 or ฿600 · If the amount is off, don't ship · Ask the customer to transfer again, or request a reference number first.

Limitation: Sellers who charge shipping separately or give discounts may not remember what the total should be · Calculate every order in advance and write it down.

4. The reference number and QR on the slip

A real PromptPay slip has a reference number, and some banks include a QR code on the slip itself that you can scan to see the transfer details straight from the bank · Fakes usually can't reproduce this, or they use a random code that opens nothing when scanned.

How to check: if the slip has a QR, scan it with your camera app. if it opens a real bank page, the slip is real · If it opens something else or won't scan, treat it as suspicious.

Limitation: This takes about 30 seconds per order · Sellers with 50-100 orders a day can't keep up.

5. Verify the slip against the bank's own data (the only 100% test)

Every method above is just a signal · The one that actually decides is checking the slip against data straight from the bank. The amount, the time, and the reference number the bank has must match what the slip shows.

Manual version: open your bank app, look at the latest transactions, compare them to the slip · Accurate but slow. not workable for sellers with dozens of orders a day.

Automated version: use a service like EasySlip that connects to bank data and verifies for you · Some back-office apps (like Nava) have EasySlip built in. when a customer sends a slip in chat, the system checks it against the bank and marks the order "paid" on its own within a few seconds.

Which method fits your order volume

Sellers doing 5-10 orders a day can mix methods 1-4 · At 20+ orders a day, manual isn't worth the time. An automated system saves hours and reduces mistakes.

The most important rule: never ship before you've confirmed the money actually landed · No matter how much a customer rushes you · Once the goods are out the door, clawing back money from a fake slip is very hard.