Anatomy of the scam
PayPal phishing comes in two main shapes. The first is the suspension claim: an email says your account has been limited or suspended and you need to verify identity to unlock it. The link leads to a credential-capture page.
The second is the invoice trick. PayPal allows anyone to send an invoice to any email. Scammers send fake invoices for expensive items ($700 for a "GPU upgrade," $400 for "Norton renewal") with a call-this-number-to-dispute footer. The phone number leads to fake support that asks you to install remote-access software — exactly the tech-support popup scam wearing a PayPal costume.
Red flags
- Email about account suspension with a link to "verify."
- The email's "from" domain isn't @paypal.com.
- A PayPal invoice for an item you didn't buy.
- The invoice tells you to "call this number if you don't recognize this charge."
- The phone number isn't PayPal's real customer service (1-888-221-1161).
- Caller asks to install remote-access software to "refund" you.
- Real PayPal invoices include the sender's email — fake ones often hide it.
How to verify safely
- Open the PayPal app directly. Real account status appears there.
- Never click links in PayPal emails. Type paypal.com or open the app.
- For an invoice you didn't make, log into PayPal and decline/dispute through the app itself. Don't call the number in the email.
- PayPal Customer Service is reachable through the in-app "Contact Us" or 1-888-221-1161 — verify on PayPal's site.
- Forward phishing emails to spoof@paypal.com.
If you clicked or called
- Change your PayPal password immediately and enable 2FA (preferably authenticator app, not SMS).
- Review recent transactions for fraud.
- Revoke connected app permissions.
- If you installed remote-access software, disconnect from internet and run anti-malware.
- Check your linked bank and card for unauthorized charges.
- Change passwords on any account sharing the same password.
- Report to PayPal, FTC, and IC3.
What not to do
- Do not call phone numbers in PayPal invoices or emails.
- Do not install remote-access software at the request of "PayPal support."
- Do not share your password, 2FA code, or device-login code with anyone calling.
- Do not wire money to "return" a fraudulent invoice. PayPal handles disputes in-platform.
Where to report
- FTC: reportfraud.ftc.gov — the broadest US fraud intake; reports flow to thousands of law-enforcement agencies.
- FBI IC3: ic3.gov — the right destination when the scam is internet-enabled (phishing, BEC, romance, crypto).
- CFPB: consumerfinance.gov/complaint — for complaints about banks, money transmitters, payment apps, credit cards, debt collection.
- IdentityTheft.gov — if any identity information (SSN, driver's license, account credentials) was shared.
- Your bank or payment platform. Call the number on the back of your card or use the app's in-product help. Time matters — wires can sometimes be recalled within hours; ACH and Zelle are harder but worth trying.