The holiday season is a busy time for buying, selling, and trading online, which unfortunately also makes it a prime time for scams. Two common types of fraud to watch out for are Non-Delivery and Non-Payment scams. Understanding the difference can help you stay safe while shopping or selling.

Non-Delivery Scams: Paying But Getting Nothing

In a Non-Delivery scam, a scammer convinces a buyer to pay in advance for merchandise or services, but the promised items never arrive. For example, you might see an online listing for concert tickets, electronics, or holiday gifts at a great price. You pay upfront, but the seller disappears or keeps giving excuses, leaving you without your purchase, and often without a way to get your money back.

Tips to avoid Non-Delivery scams:

• Always buy from reputable websites or verified sellers.

• Avoid paying via wire transfer or gift cards; these are often untraceable.

• Check reviews and ratings for unfamiliar sellers.

• When in doubt, use a payment method with buyer protection, such as a credit card or secure digital payment platform.

Non-Payment Scams: Selling But Not Getting Paid

Non-Payment scams happen when you, as a seller, deliver merchandise or a service but never receive payment. A scammer may order items online, make promises to pay later, or send fake checks. You ship the product, and then realize the payment never clears.

Tips to avoid Non-Payment scams:

• Verify payment before shipping goods, especially for large orders.

• Be cautious of overpayment or “accidental” extra payments, these are often followed by refund requests.

• Stick to secure platforms that guarantee payment for sellers.

• Trust your instincts: if an order feels suspicious, pause and verify.

The Bottom Line

Whether you’re buying or selling, these scams have one goal: tricking you out of money or goods. By staying vigilant, using secure payment methods, and double-checking the credibility of buyers or sellers, you can protect yourself from becoming a victim.

Remember: Scammers often rely on urgency and pressure. Take your time, research, and always verify before sending money or goods.