Be cautious with unnecessarily complicated procedures

A trade is already more complex than a sale because two items are involved.

Avoid adding unnecessary steps:

• links received to “unlock” a cash adjustment;
• couriers arranged by third parties without a clear process;
• separate payments that were not agreed;
• requests for security codes or credentials;
• sudden changes of recipient.

The further the process moves away from what was agreed, the more important it is to stop and verify.