Avoid getting scammed by fake "Payment Confirmation" emails

What kind of email is "Payment Confirmation"?

After investigating the "Payment Confirmation" email, we determined that it is spam. Allegedly containing documentation relating to the confirmation of a payment, this fake letter actually has a phishing file attached to it. This file targets account log-in credentials (usernames/passwords).

"Payment Confirmation" email scam overview

The email with the subject "Important Information-EFT" (may vary) thanks the recipient for their business. It states that the attachment contains payment confirmation documents. As mentioned in the introduction, this email is fake, and it is in no way associated with any legitimate entities.

When we inspected the attached HTML file "Scanned-Confirmation-May.html" (filename may vary), we learned that it is a phishing file. It uses Microsoft's name and logo to create an impression of legitimacy. The file urges the user to sign into their account.

Phishing files/sites record information entered into them and send it to their designers. Cyber criminals can variously misuse hijacked accounts.

To expand upon this, criminals can steal the identities of social account owners (e.g., emails, social networking, social media, messengers, etc.) and ask their contacts/friends/followers for loans or donations, promote scams, and distribute malware by sharing malicious files/links.

Furthermore, finance-related accounts (e.g., online banking, money transferring, e-commerce, cryptocurrency wallets, etc.) can be used to make fraudulent transactions and/or online purchases.

In summary, victims of emails like "Payment Confirmation" can experience system infections, severe privacy issues, financial losses, and even identity theft.

If you have already disclosed your log-in credentials – we advise you to immediately change the passwords of all potentially compromised accounts and contact their official support.

Phishing spam campaign examples

"It Is Time For You To Reset The Password", "Mailbox Failed To Receive New Messages", "Adobe - Request For Quotation", and "Document Received" are merely some examples of phishing emails we have examined recently.

Various scams are facilitated via spam mail, ranging from log-in credential phishing to sextortion. What is more, these letters/messages are also used to proliferate trojans, ransomware, and other malware.

Due to how prevalent and potentially well-made this mail can be, we strongly recommend exercising caution with incoming emails, PMs/DMs, SMSes, and other messages.

How do spam campaigns infect computers?

Spam campaigns distribute malware by promoting malicious files, which can be attached to or linked inside the emails/messages. Infectious files can be in various formats, e.g., archives (ZIP, RAR, etc.), executables (.exe, .run, etc.), documents (PDF, Microsoft Office, Microsoft OneNote, etc.), JavaScript, and so forth.

When such a file is executed, run, or otherwise opened – the infection chain is jumpstarted. For example, Microsoft Office documents infect devices by executing malicious macro commands, while virulent OneNote files need users to click on embedded files/links.

How to avoid installation of malware?

It is crucial to be careful with incoming emails and other messages. We advise against opening attachments or links found in suspicious/irrelevant mail, as they can be infectious. We recommend using Microsoft Office versions released after 2010 since they have the "Protected View" mode that prevents automatic macro execution.

It must be mentioned that malware is not spread only via spam mail. Therefore, we also advise caution while browsing since fraudulent and malicious online content usually appears genuine and innocuous.

Furthermore, all downloads must be performed from official and trustworthy channels. It is just as important to activate and update programs by using functions/tools provided by legitimate developers, as illegal activation ("cracking") tools and third-party updaters can contain malware.

We must emphasize that having a reputable anti-virus installed and kept up-to-date is paramount to device/user safety. This software must be used to run regular system scans and to remove detected threats. If you've already opened malicious attachments, we recommend running a scan with Combo Cleaner Antivirus for Windows to automatically eliminate infiltrated malware.

Text presented in the "Payment Confirmation" spam email letter:

Subject: Important Information-EFT

Hello,

Find attached May payment confirmation , Thanks for your business.

Thanks

Screenshot of the phishing file attached to this spam email ("Scanned-Confirmation-May.html"):

Other examples of payment confirmation-themed spam emails:

Sample 1:

Text presented within:

Subject: Re: - Fwd: Re: ACH/Remittance Payment

2 Attachments - Download All

PDF

Payment Confirmation.pdf

[29.35  KB]

View

FYI,

This is the Payment Confirmation.
Kindly confirm payment and update records as usual.

With Best Regards,

Mrs. Anna Heinrich

Head Department Of Finance

Private Email: Anna.heinrich1@my.com

Phone No.:  +352047529081

Screenshot of the promoted phishing site:

Sample 2:

Text presented within:

Subject: ACH Payments Remittance Processed on 8/8/2023 7:27:12 a.m.

 

Dear -,
FYI, Payment Processed. Find attached file.
The complete version of this receipt has been attached to this

-

----------------------------------
See attached.
Thanks for your business

Sample 3:

Text presented within:

Subject: Success! Your Payment Has Been Processed - Preview Receipt

 

Payment confirmation: Your payment has been processed successfully, and you can preview the attached receipt.

Screenshot of the attached PDF document:

Text presented within:

Payment Confirmation
Dear -,
Your payment has been processed. Attached is your receipt for your records.
You can preview the document by clicking the button below:
Preview Document
Transaction Details:
Date: Wednesday, August 21, 2024, at 09:22:20
*This email maycontain information intended onlyfor the recipient at -.*

Screenshot of a phishing site promoted by the aforementioned PDF document:

Sample 4:

Text presented within:

Subject: Payment Confirmation - INV1215

Payment Confirmation

Dear ********

We are pleased to inform you that payment have been successfully sent for the invoice mentioned below.

Amount Paid
€9,350.00
Payment Date: 9/7/2025
View Invoice Payment

Looking forward to your acknowledgment.
This is an automated confirmation. Please do not reply to this email.

Sample 5:

Text presented within:

Payment Confirmation

********, your payment was successfully processed and will be posted to your account within three business days.
View Remittance Details
Payment Details
Customer ID 000294426863001
Payment Date 8/25/2026 12:38:01 p.m.
Confirmation Number 120027320339
Invoice Number 79868

Screenshot of the promoted phishing site designed to imitate recipient's email service provider:

Instant automatic malware removal:

Manual threat removal might be a lengthy and complicated process that requires advanced IT skills. Combo Cleaner is a professional automatic malware removal tool that is recommended to get rid of malware. Download it by clicking the button below:

By downloading any software listed on this website you agree to our Privacy Policy and Terms of Use. To use full-featured product, you have to purchase a license for Combo Cleaner. 7 days free trial available. Combo Cleaner is owned and operated by RCS LT, the parent company of PCRisk.com.

Types of malicious emails:

If you opened an attachment or downloaded a file from a suspicious email, run a full system scan with Combo Cleaner. If you only received the email and didn't engage with it, you don't need to scan anything - just identify the scam and delete it. The full procedure below covers both situations and what to do if you already clicked, replied, or sent money.

Credential theft Phishing emails

Fake login pages disguised as PayPal, Microsoft, Apple, banks, or social networks. The email pushes a link to a near-perfect copy of the real login screen. The moment you type your username and password, the attacker has them.

Common subject lines

• "Action required: confirm your account"
• "Your password expires today"
• "Unusual sign-in attempt detected"
• "Verify your billing information"

Malware delivery Emails with malicious attachments

Trojans hidden inside fake invoices, faxes, shipping confirmations, or Office documents. Opening the attachment runs the payload and infects the system - often with an info-stealer or remote-access trojan.

Common subject lines

• "Invoice INV-2026-XXXX attached"
• "Fax received - 3 pages"
• "Your shipping document is ready"
• "Voicemail from +1-XXX-XXX-XXXX"

Extortion Sextortion emails

Fake claims of webcam recordings demanding cryptocurrency. Almost always a bluff: the attacker pulls a real password from an old data breach to make the threat look credible, then claims to have video of you. They have no recording and no access.

Common subject lines

• "I know your password is XXXX"
• "Your account has been hacked"
• "I have recorded you - 48 hours to pay"
• "You have been compromised"

Callback fraud Refund & callback scams

"Your subscription was renewed for $499 - call to cancel." Norton, McAfee, Geek Squad, PayPal, and Wells Fargo variants are all common. There's no real subscription. The phone number in the email connects directly to the scammer, who walks you through "refunding" yourself - which is actually them stealing money from your bank.

Common subject lines

• "Norton subscription auto-renewed - $499.99"
• "McAfee Total Protection invoice"
• "Geek Squad order confirmation"
• "Your PayPal payment is being processed"

Credential theft Account suspension & verification scams

"Your account will be deleted in 24 hours - verify now." The artificial deadline is the whole point: it pressures you to click before checking details. The "verify" link goes to a phishing page styled to look like the real provider.

Common subject lines

• "Your account will be deleted in 24 hours"
• "Suspicious activity detected - verify now"
• "Final warning: account closure"
• "Action required to keep your account active"

Mixed payload Delivery & package scams

Fake DHL, USPS, UPS, or FedEx tracking, customs fees, or "package undeliverable" notices. Targets anyone expecting a parcel - the timing alone catches many people. The link hides either phishing (asking for card details to "release" the package) or a malware download.

Common subject lines

• "Your DHL package is held at customs"
• "USPS - delivery attempt failed"
• "FedEx tracking update - action required"
• "Pay $2.99 redelivery fee to release your parcel"

Remote access Tech support scams

Fake Microsoft, Apple, or "Windows Defender" security alerts pushing a phone number. Real Microsoft and Apple never email a phone number to call. The number connects you to a scammer who asks for remote access to "fix" the imaginary problem and then demands payment.

Common subject lines

• "Microsoft Defender expired - renew now"
• "Apple ID security alert"
• "Critical: virus detected on your PC"
• "Windows license expired - call now"

Wire fraud Advance-fee scams

Inheritance, lottery wins, romance, or business deals that ask for a small fee to release a much larger sum. The classic "Nigerian prince" 419 family of frauds. Once you pay the first fee, more fees appear (taxes, lawyer, transfer charges) until you stop paying. The promised money never exists.

Common subject lines

• "Inheritance from a relative you didn't know about"
• "You won the international lottery"
• "URGENT - business proposal worth $XX million"
• "Compensation fund release for fraud victims"

Wire fraud Business email compromise (BEC)

CEO impersonation asking employees to wire money or buy gift cards, or fake supplier invoices with newly "updated" bank details for payment redirection. The email often spoofs a real internal executive's display name and uses an external lookalike domain.

Common subject lines

• "Quick task - need you to buy gift cards"
• "Updated banking details for invoice payment"
• "Wire transfer request - urgent"
• "Are you available?" (CEO impersonation opener)

How to spot a malicious email?

Phase 1~ 2 min

Spot - identify the red flags

---

1

Check the sender's actual address, not the display name

30 sec

The display name (the human-readable part) is trivial to fake. Always check the full address that comes after it. Common red flags:

• Domain mismatch - service@paypa1.com, support@micros0ft-help.com, look-alike domains using digits or extra hyphens
• Free-email impersonation - any "official" message from a bank, courier, or platform sent from a @gmail.com, @outlook.com, or @yahoo.com address
• Reply-To mismatch - the From address looks legitimate but Reply-To points somewhere completely different

Why this matters

Real companies own their domains and send mail from them. A "DHL" message from a Gmail address is never legitimate, regardless of how convincing the body looks.

2

Watch for urgency, threats, and generic greetings

30 sec

Scams almost always rush you. The point is to make you act before you think. Treat any of the following as a strong signal:

• "Your account will be deleted in 24 hours"
• "Final notice" / "Immediate action required"
• "Dear Customer" or "Dear User" instead of your real name
• Threats of fines, account closure, legal action, or arrest
• Promises of refunds, prizes, or money you didn't earn
• Spelling and grammar mistakes in messages claiming to come from a major brand

3

Hover over every link before clicking

30 sec

On a desktop, hover the mouse over the link without clicking. The real destination shows in the bottom-left status bar of your browser or email client. On a phone, long-press the link to preview the URL.

• Real Microsoft, PayPal, or bank links go to those exact domains, not redirects through unrelated sites
• Shortened URLs (bit.ly, tinyurl, t.co) hide the real destination - never click them in unsolicited mail
• The visible link text and the actual URL must match - mismatches are the single biggest phishing red flag

Pro tip

When in doubt, don't click the link. Open a new browser tab and type the company's address yourself, then log in normally. If there really is an issue with your account, you'll see it there.

4

Treat unexpected attachments as hostile

30 sec

If you didn't ask for the file, don't open it - even if it appears to come from someone you know. Categories that should never be opened from email without verification through another channel:

• .exe, .scr, .iso, .img, .vbs, .bat - executables, never legitimate attachments
• .docx, .xlsx, .pptx with "Enable macros" prompts - the macros run the malware
• .pdf with "Click here to view" buttons - usually a phishing redirect, not a real document
• .zip, .rar, .7z archives, especially password-protected ones - the password defeats the email scanner

Phase 2~ 2 min

Report and delete - if you haven't engaged

---

If you only received the email and didn't reply, click, or open anything, the steps below are all you need. Your computer is not infected.

5

Don't reply, don't click "unsubscribe"

30 sec

Replying confirms your address is real and monitored, which gets you added to higher-value scam lists. The "unsubscribe" link in a scam message is rarely a real opt-out - it usually leads to a phishing page or downloads a tracking pixel.

Instead, mark the message as junk or phishing inside your email client (this trains the spam filter), then block the sender.

6

Report the scam to your email provider and authorities

1 min

Inside your email client:

• Gmail: open the message → ⋮ menu → Report phishing
• Outlook / Outlook.com: ⋯ menu → Report → Report phishing
• Apple Mail / iCloud: Move to Junk, then forward to reportphishing@apple.com

Forward or report to authorities:

• International: forward to reportphishing@apwg.org
• United States: ic3.gov (FBI)
• United Kingdom: forward phishing emails to report@phishing.gov.uk (NCSC SERS); for financial loss report at reportfraud.police.uk (Report Fraud, the successor to Action Fraud; 0300 123 2040)
• Canada: antifraudcentre.ca
• Australia: scamwatch.gov.au
• EU: your national CERT - find yours via the ENISA CSIRT map

After reporting, delete the email and empty the Trash folder so you don't accidentally open it later.

Phase 3~ 10–60 min

Recover - if you already engaged with the scam

---

Pick the step below that matches what you did. If multiple apply, work through them in the order they appear - the steps are arranged from lowest to highest risk.

7

You only clicked a link (didn't enter anything or download anything)

Scenario: clicked link only10 min

Close the page right away. Don't enter any information, even if the page looks legitimate.

• Clear your browser cache and cookies for the last hour - Chrome/Edge: Ctrl+Shift+Del → Last hour → check Cookies and Cached files
• Run a quick scan with Combo Cleaner in case the page tried to drop a file silently (drive-by download)
• Update your browser to the latest version - most drive-by exploits target outdated browsers
• Watch for new browser pop-ups, redirects, or unfamiliar notifications over the next few days

Why this matters

Modern browsers block most drive-by attacks, but a single click on a phishing page can still be enough on an outdated browser or unpatched plugin. A quick scan catches anything that landed silently.

8

You opened an attachment or downloaded a file - run a full malware scan

Scenario: opened attachment⚠ Highest risk60–90 min

Opening an attachment is the most common path to actual infection. Treat the system as compromised until the scans below come back clean. Work through these sub-steps in order:

8.1Disconnect from the network

Unplug Ethernet and turn off Wi-Fi. If the attachment was an info-stealer or remote-access trojan, this stops it from sending data out or receiving commands. Keep the network off until you've booted into Safe Mode (next step) - you'll reconnect there briefly to download the scanners.

8.2Boot into Safe Mode with Networking, then download the scanners

Windows 11: Settings → System → Recovery → Advanced startup → Restart now → Troubleshoot → Advanced options → Startup Settings → Restart → press 5 or F5.

Windows 10: hold Shift, click Power → Restart → Troubleshoot → Advanced options → Startup Settings → Restart → press F5.

Once Safe Mode has loaded, turn Wi-Fi back on and download Combo Cleaner (used in 8.4) and Microsoft Safety Scanner (used in 8.5). Safe Mode loads only minimal drivers, so most malware can't auto-run while you're getting the tools. Save both installers to your Desktop.

8.3Run Microsoft Defender Offline

Reboot to normal Windows. Open Windows Security → Virus & threat protection → Scan options. Select Microsoft Defender Antivirus (offline scan) and click Scan now. The PC restarts into a stripped-down environment and scans the disk before Windows fully loads - this is what catches rootkits and bootkits.

Recommended antivirus

Combo Cleaner

VB100 certified. Includes anti-trojan, registry/persistence scanning, and anti-spyware in one pass. The 7-day free trial is available.

Download Combo Cleaner

8.4Run a full Combo Cleaner scan

Install Combo Cleaner and run a full system scan (not the quick scan). Let it complete fully, review what it found, and apply the recommended actions. Combo Cleaner will quarantine known trojans and remove their persistence in the registry.

8.5Run Microsoft Safety Scanner as a second-opinion scan

Download Microsoft Safety Scanner (MSERT.exe). The binary expires every 10 days, which means every download has the latest signatures. Run a full scan after Combo Cleaner to catch anything one engine alone might miss.

8.6Reset browsers and clear notification permissions

Many email-borne trojans drop adware that hijacks browsers. Reset each browser you use:

Chrome: chrome://settings/reset → Restore settings to their original defaults. Then chrome://settings/content/notifications - remove unfamiliar sites.

Edge: edge://settings/reset. Then edge://settings/content/notifications.

Firefox: about:support → Refresh Firefox.

8.7Re-enable Defender, Tamper Protection, and update everything

Open Windows Security → Virus & threat protection → Manage settings and confirm Real-time protection, Cloud-delivered protection, and Tamper Protection are all on. Then run Settings → Windows Update → Check for updates and update browsers and applications.

Important

If the scans keep finding new threats on each run, or files reappear after deletion, you may have a deeper compromise that needs a clean Windows reinstall. See pcrisk's full manual malware removal guide for the extended procedure (Process Explorer, Autoruns, hosts file inspection).

9

You entered credentials on a fake login page

Scenario: shared password⚠ Act fast20 min

Assume the attacker has your password and is using it right now. Speed matters.

1. Change the password from a different, known-clean device (your phone is fine if it's not infected). Don't reuse the old password anywhere else.
2. Enable two-factor authentication if you haven't already. Prefer an authenticator app or hardware key over SMS.
3. Sign out of all sessions - most platforms have a "sign out everywhere" option in security settings, which kicks the attacker out.
4. Review recent activity - look for unfamiliar logins, new devices, forwarding rules, or app permissions. Remove anything you don't recognize.
5. Check your other accounts - if you reused that password anywhere else, change it there too. Check your exposure at haveibeenpwned.com.
6. Update security questions - the attacker may have seen the answers in your account profile.

Why email comes first

If you only have time to change one password, change your primary email password - it's the recovery hub for every other account. An attacker who controls your email can reset everything else.

10

You sent money or shared bank, card, or ID details

Scenario: financial loss⚠ Contact bank now30 min

Time is the single biggest factor in recovering money. Banks can sometimes recall a wire or reverse a card transaction within the first few hours.

1. Call your bank or card issuer immediately. Use the number on the back of the card, not any number from the scam email. Ask them to freeze the card, reverse the transaction if possible, and flag the account for fraud monitoring.
2. If you sent a wire transfer or used a money-transfer service (Western Union, MoneyGram, Zelle, Wise), call them directly and request a recall. Some can be reversed within minutes if reported fast.
3. If you sent cryptocurrency or gift cards, recovery is unlikely - but report it anyway, since law enforcement tracks these patterns.
4. File a police report. You'll need the report number for any insurance, bank, or credit-bureau claim. Save the report number.
5. File with the right authority for your country:
   • US: ic3.gov + reportfraud.ftc.gov
   • UK: reportfraud.police.uk (Report Fraud, the successor to Action Fraud; 0300 123 2040)
   • Canada: antifraudcentre.ca
   • Australia: scamwatch.gov.au
   • EU: your national CERT or police cybercrime unit
6. Set fraud alerts on all major credit bureaus if you shared any ID details. US: Equifax, Experian, TransUnion. UK: Experian, Equifax, TransUnion (Cifas Protective Registration is a stronger option).
7. Save all evidence - the original email (with full headers), screenshots of the fake site, transaction records, any phone numbers or chat logs.

Phase 4~ 15 min + 30 days

Verify & monitor

---

11

Final scan and startup-app check

15 min

Reconnect to the network and run one final full scan with Combo Cleaner, followed by a Windows Defender quick scan. Then open Task Manager (Ctrl + Shift + Esc) and switch to Startup apps - disable anything unfamiliar.

Make sure Windows, browsers, and any applications you use are fully up to date. The infection vector that worked on you once usually involves outdated software.

12

Monitor accounts and credit for 30 days

5 min/day · 30 days

Most fraud follow-ups land in the first month. Until that window closes, keep watching:

• Bank and card statements - daily for the first week, then weekly
• Email - watch for password-reset confirmations or login alerts you didn't trigger
• Credit report - US: free at annualcreditreport.com; UK: Experian, Equifax, TransUnion all have free tiers
• Breach alerts - sign up at haveibeenpwned.com to be notified when your email appears in new leaks

If anything new appears in any of those, treat it as a continuing compromise: change passwords again, contact the bank again, and update the police report.

Important: If you didn't click anything, didn't reply, and didn't open any attachment, your computer is not infected - just delete the email and move on. If you opened an attachment or downloaded a file, run an automated scan with Combo Cleaner and Windows Defender and stop there. That path catches the vast majority of email-borne malware without the risk of breaking Windows by deleting the wrong file.

Frequently Asked Questions (FAQ)

Why did I receive this email?

Spam emails are not personal. They are sent in mass-scale operations – hence, thousands of users receive identical messages.

I have provided my personal information when tricked by this spam email, what should I do?

If you have provided your log-in credentials – change the passwords of all possibly exposed accounts and inform their official support without delay. And if you've disclosed other private data (e.g., ID card details, credit card numbers, etc.) – immediately contact relevant authorities.

I have read a spam email but didn't open the attachment, is my computer infected?

No, merely opening/reading an email will not initiate any malware download/installation processes. Devices are infected when malicious attachments/links are opened.

I have downloaded and opened a file attached to a spam email, is my computer infected?

Whether an infection occurs depends on the file's purpose (phishing vs. malware download/installation), and it may be influenced by its format. Executables (.exe, .run, etc.) infect systems almost without fail when they are opened. On the other hand, document formats (.doc, .xls, .one, .pdf, etc.) might require additional user interaction (e.g., enabling macro commands, clicking embedded content, etc.) to initiate system infection chains.

Will Combo Cleaner remove malware infections present in email attachments?

Yes, Combo Cleaner is designed to detect and eliminate all manner of threats. It is capable of removing practically all known malware infections. Note that since high-end malicious programs typically hide deep within systems – running a complete system scan is essential.