A romance scam is a confidence trick involving feigning romantic intentions towards a victim, gaining the victim's affection, and then using that goodwill to get the victim to send money to the scammer under false pretenses or to commit fraud against the victim.  Fraudulent acts may involve access to the victim's money, bank accounts, credit cards, passports, e-mail accounts, or national identification numbers; or forcing the victims to commit financial fraud on their behalf.
 These scams are often perpetrated by organized criminal gangs, who work together to take money from multiple victims at a time.
 More money is lost each year to romance scams than to similar internet scams, such as technical support scams.
 Romance scammers create personal profiles using stolen photographs of attractive people for the purpose of asking others to contact them. This is often known as catfishing.  Often photos of unknown actresses or models will be used to lure the victim into believing they are talking to that person.  US military members are also impersonated, as pretending to serve in the military explains why the scammer is not available for an in-person meeting.
 Because the scammers often look nothing like the photos they send to the victims, the scammers rarely meet the victims face to face or even in a video call.  They deceive their intended victims by making plausible-sounding excuses about their unwillingness to show their faces, such as by saying that they cannot meet yet because they are temporarily traveling or have a broken web camera.
 Scammers are very adept at knowing how to "play" their victims – sending love poems, sex games in emails, building up a "loving relationship" with many promises of "one day we will be married".
 Communications are exchanged between the scammer and victim over a period of time until the scammer feels they have connected with the victim enough to ask for money.  Scammers prey on the victims' false sense of a relationship to lure them into sending money.
 These requests may be for gas money, bus or airplane tickets to visit the victim, medical or education expenses. There is usually the promise the scammer will one day join the victim in the victim's home.
 Victims may be invited to travel to the scammer's country; in some cases the victims arrive with asked-for gift money for family members or bribes for corrupt officials, only to be beaten and robbed or murdered.
 The scam usually ends when the victim realizes they are being scammed or stops sending money.
 Criminal networks defraud lonely people around the world with false promises of love and romance. Scammers post profiles on dating websites, non-dating social media accounts, classified sites and even online forums to search for new victims. The scammer usually attempts to obtain a more private method of communication, such as an email or phone number to build trust with the victim.
 Because the scammers are working in groups, someone in the group can be online and available to send e-mail or text messages to the victim at any hour.  The rotation between different scammers, all claiming to be the same person, is difficult to detect in text-based messages, whereas it would be obvious if a different person showed up for a face-to-face meeting or in a video or telephone call.
 In 2016, the US Federal Bureau of Investigation received reports of more than US $220 million being lost by victims of relationship scams. This was approximately seven times what was stolen through phishing scams and almost 100 times the reported losses from ransomware attacks.
According to FBI IC3 statistics, the crime has been at an alarming rise. Monetary loss in the United States rose from $211 million to $475 million from 2017 to 2019. Number of cases rose from 15,372 to 19,473 in only two years.
 According to the Australian government, the crime has also been in the rise in that country.  Monetary loss in Australia rose from $20.5 million to $28.6 million from 2017 to 2019. SCAMwatch, a website run by the Australian Competition & Consumer Commission (ACCC), provides information about how to recognise, avoid and report scams. In 2005, the ACCC and other agencies formed the Australasian Consumer Fraud Taskforce (ACFT). The site provides information about current scams, warning signs and staying safe online.
 Older people are often targeted, because they are more likely to have assets, such as retirement funds or homes, that can be stolen.
 Sensitive people are more vulnerable to online dating scams, based on a study conducted by the British Psychological Society. Per their results, sensitive and less emotionally intelligent people are more likely to be vulnerable to online dating scams.[better source needed][non-primary source needed]
 Narratives used to extract money from the victims of romance scams include the following:
 Some romance scammers seek out a victim with an obscure fetish and will make the victim think that if they pay for the scammer's plane ticket, they will get to live out their sexual fantasy with the scammer. Other scammers like to entice victims to perform sexual acts on webcam. They then record their victims, play back the recorded images or videos to them, and then extort money to prevent them from sending the recordings to friends, family, or employers, often discovered via social media sites such as Facebook or Twitter.
 The pro-dater differs from other scams in method of operation: a face-to-face meeting actually does take place in the scammer's country but for the sole purpose of manipulating the victim into spending as much money as possible in relatively little time, with little or nothing in return. The scheme usually involves accomplices, such as an interpreter or a taxi driver, each of whom must be paid by the victim at an inflated price. Everything is pre-arranged so that the wealthy foreigner pays for expensive accommodation, is taken not to an ordinary public café but to a costly restaurant (usually some out-of-the-way place priced far above what locals would ever be willing to pay), and is manipulated into making various expensive purchases, including gifts for the scammer such as electronics and fur coats.
 The vendors are also typically part of the scheme. After the victim has left, the merchandise is returned to the vendors and the pro-dater and their various accomplices take their respective cut of the take. As the pro-dater is eager to date again, the next date is immediately set up with the next wealthy foreigner.
 The supposed relationship goes no further, except to inundate the victim with requests for more money after they return home. Unlike a gold digger, who marries for money, a pro-dater is not necessarily single or available in real life.
 Another variation of the romance scam is when the scammer insists they need to marry in order to inherit millions of dollars of gold left by a father, uncle, or grandfather. A young woman will contact a victim and tell him of her plight: not being able to remove the gold from her country as she is unable to pay the duty or marriage taxes. The woman will be unable to inherit the fortune until she gets married, the marriage being a prerequisite of the father, uncle or grandfather's will.
 The scammer convinces their victim they are sincere until they are able to build up enough of a rapport to ask for thousands of dollars to help bring the gold into the victim's country. The scammer will offer to fly to the victim's country to prove they are a real person so the victim will send money for the flight. However, the scammer never arrives. The victim will contact the scammer to ask what happened, and the scammer will provide an excuse such as not being able to get an exit visa, or an illness, theirs or a family member.
 A rapidly growing technique scammers use is to impersonate American military personnel. Scammers prefer to use the images, names and profiles of soldiers as this usually inspires confidence, trust and admiration in their victims. Military public relations often post information on soldiers without mentioning their families or personal lives, so images are stolen from these websites by organized Internet crime gangs often operating out of Nigeria or Ghana.
 These scammers tell their victims they are lonely, or supporting an orphanage with their own money, or needing financial assistance because they cannot access their own money in a combat zone. The money is always sent to a third party to be collected for the scammer. Sometimes the third party is real, sometimes fictitious. Funds sent by Western Union and MoneyGram do not have to be claimed by showing identification if the sender sends money using a secret pass phrase and response. The money and can be picked up anywhere in the world. Some scammers may request Bitcoin as an alternative payment method.[better source needed][non-primary source needed]
 In eWhoring, a scammer uses a collection of stolen nude or explicit photos to impersonate a specific person to sell more photos and video to a victim, entice them into sending money for promised dates, cam sessions, or in-person meet-ups, or to distribute phishing links. The original photo sets may originally have been consensually shared by the person being impersonated, or can be the result of revenge porn, hacks or other theft. As with other Romance scams, reports of eWhoring grew dramatically during the coronavirus pandemic.
 Impersonation can range from outright fraud to more complicated practices like chat teams, in which the person in the photos may hire a third-party or chat team to impersonate them through direct messages, selling photos to fans directly. In response to concerns over impersonation, potential victims may request specific photos with proof that it is actually them, such as holding a specific object or writing a specific message on a piece of paper. In May 2023, the adult subscription site My.Club instituted a "No Fake Creators" policy, and announced that every person using the platform to sell photos, videos or conversation would be required to undergo identity verification, including facial scanning, each time they logged onto the platform.