Whether you’re receiving or sending money, using a mobile payment app like Zelle can be the most convenient option. Unfortunately, payment apps are not immune to scammers.

Keep your money safe with tips from the Federal Trade Commission (FTC):

• Know how payment apps work if you haven’t used one before. Understand what to download, how to link your payment method, and safely use the app.

• Recognize warning signs of a scam. Watch out for things like people posing as family members in an emergency.

• Learn what steps to take if you think you sent money to a scammer. Report any scams to ReportFraud.ftc.gov.