Imagine receiving a large order—a big win for your small business, right? But then the payment arrives, and it’s for more than the agreed amount. The customer quickly reaches out, apologizing for the “mistake” and asking for a refund of the overpaid portion. You issue the refund, thinking it’s a simple fix, only to discover later that the original payment was fraudulent. Now, you’re out the refund money, plus any banking fees and your business’s reputation may take a hit.
This is a common overp
