Scammers may pose as government officials, bank or IRS representatives, local law enforcement, or other authorities to convince you to send them money via a payment app. In other cases of P2P scams, scammers may tell you that you’ve won a prize but need to pay a fee via mobile app to claim it.Similarly, romance scammers may build a fake romantic relationship with you online, then request money via mobile app. Online sellers can also trick customers into buying poor-quality or fake products using mobile payment apps.