[![](https://cms.reasonlabs.com/cdn/New-Years-infographics-.jpg)](https://blog.reasonsecurity.com/)

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Hackers increasingly target SMBs. What should businesses expect in 2020?

I think we can all agree that pups, the friendly, loyal, man’s-best-friend kind are cute and lovable and make everyone smile. PUPs, aka potentially unwanted programs, not so much. PUPs are usually distributed as part of a bundled free software package and despite the claims of free software developers that PUPs benefit users, they are at best annoying and at worst a threat. The ‘unwanted’ part of the name ‘potentially unwanted programs’ should make that pretty clear.

Some PUPs, for example, will create new toolbars for shopping sites in your web browser, or change your search provider, or even intentionally slow down your computer so you’ll be tempted to buy the tools for speeding up your computer that they later start advertising. Other more malicious PUPs have been known to distribute applications for spying, for performing denial of service attacks, and for mining cryptocurrency. Not so beneficial now, are they? And they’re prevalent:

**[Reason Labs](https://labs.reasonsecurity.com/insights)**, which has one of the most powerful AV engines in the industry, reported over 18 million PUPs in the month of September of this year alone and recently listed PUP.Web companion, PUP. Ask, PUP. Browser plugin, PUP.Generic and PUP.Mindspark as top malware threat families.

It’s not just a consumer problem either; PUPs threaten the cybersecurity of businesses too. Once installed, they can take up massive amounts of bandwidth, CPU, disk space, RAM etc., and worse, are frequently used by hackers to steal data or spy on company activity. To respond to this growing nuisance/menace (take your pick which word you want to use), some [**small business antivirus**](https://www.reasonsecurity.com/reason-for-businesses) wisely offer protection from PUPs.

**But if they’re unwanted, how do PUPs get installed on a system in the first place?**

When we buy a computer or computer hardware, or when we purchase a software program, we often get along with it, bundled software. Many of the software in these bundled packages are valuable and necessary such as operating systems, utilities, and applications, but many are not. Nor are they necessarily related or complementary to the software that is wanted by the user. For example, you might see a search toolbar bundled with an MP3 player or a word processor bundled with a file-sharing application. 

**Every****thing clear as San Francisco fog now? Wait, it gets worse**. 

PUPs exist because developers of free software are paid to bundle third-party software with their software. This third-party software gets downloaded by users who unknowingly agree to download it with the bundled package. They agree unknowingly because they race through the end-user licensing agreement (EULA) of the wanted software and hurriedly click on all of the ‘accepts’ just to finish the installation process quickly. Hidden within this bundled software can be spyware, browser hijackers and other software that can cause problems like slowing down your computer and stealing sensitive data. Since the bundled software is included in the installer file of the software that the user wants, once the EULA is completed, everything gets downloaded together. And voila! The PUPs are on the PC and the software developer is protected from legal action because of the signed EULA.

**How can businesses protect themselves against PUPs?**

Businesses can protect themselves from PUPs by carefully reading Wizard instructions to catch unwanted programs that will be installed and by using customized installation settings rather than default settings. In addition, software should only be downloaded from trusted sources. Adware and PUPs are often disguised as legitimate programs, so users have to be savvy and knowledgeable about the software they are downloading and the sites they’re downloading them from. First and foremost, however, businesses should install antivirus software with unwanted software blockers that automatically uncheck unrelated software offers. Unwanted software blockers can save users time and catch PUPs that might otherwise get through, and which might contain malicious files. 

![](https://cms.reasonlabs.com/cdn/shutterstock_1297517851-1375844364-1572348559937-300x225.jpg)

**Parting thoughts**

Back to this post’s title about why business need unwanted software blockers… We can confidently state that PUPs have the potential to compromise privacy or weaken a computer’s security. We also know that they eat up system resources and can threaten the cybersecurity of businesses. Some PUPs, for example, will install a root certificate on a computer that allows hackers to access private data without the user ever being notified. Root certificates like these and other programs installed by PUPs can make computers vulnerable to serious cyberattacks, and sometimes all it takes is one successful breach to bring a business, especially a small business, to its knees.

![](https://cms.reasonlabs.com/cdn/shutterstock_1095422036-300x222.jpg)

Finally, we know that it’s not enough that businesses protect themselves from malware; they need to protect themselves against PUPs too. Powerful and effective unwanted software blockers are the best form of protection against PUPs. They can automatically uncheck agreements to download unrelated software offers that come as part of a bundle and they can warn users when an installer tries to covertly download potentially unwanted and potentially harmful programs.

Considering that the amount of malware created is expected to continue to grow and that potentially unwanted programs will continue to target systems and pose greater and greater threats, it becomes abundantly clear why small businesses need an unwanted software blocker.

I think we can all agree that pups, the friendly, loyal, man’s-best-friend kind are cute…

Unwanted Software Blockers: Why Small Businesses Need Them.

Windows 10, according to theinquirer.net, is a particularly appealing target for hackers and virus writers primarily because it’s the most widely used operating system for PCs. Fortunately, anti-virus software have become increasingly sophisticated and more effective at preventing viruses from wreaking havoc on our computers. However, while there are dozens of antivirus software available for Windows 10, not all of them are created equal. Knowing what to look for in an antivirus program can help you decide which antivirus is best for Windows 10.

![](https://cms.reasonlabs.com/cdn/shutterstock_1299604876-300x206.jpg)

The best antivirus software takes an all-inclusive approach to protection so that it protects against not just viruses, but also against ransomware, worms, cyber crime, third party monitoring, malicious URLs, rootkits, phishing, DNS poisoning, etc. It should also run in real-time and provide multiple layers of protection including signature-based detection, heuristics-based detection, behavior-based detection, and cloud-based detection. The best antivirus software have a detection rate of 99.7% (the industry average) or higher and consistently rank high in independent testing.

An advanced firewall is another hallmark of the best antivirus software. The firewall should only allow authorized network traffic and be able to block attacks from all forms of malware. It should also prevent viruses that have already infected your computer from communicating with the Internet. 

A file shredder, which lets you permanently remove files from your PC so that no one can access and misuse the data in the file, is another important component of antivirus software as are webcam protection, which keeps hackers from accessing your camera, family protection features, which protect children from inappropriate content and messages, and file encryption capabilities, which prevent your data from being accessed by unauthorized persons or processes. The best antivirus software for Windows 10 today also comes with an anti-theft feature that can help you locate stolen devices. 

![](https://cms.reasonlabs.com/cdn/shutterstock_1081996442-300x200.jpg)

In terms of usability, antivirus programs for Windows 10 should have minimal impact on system resources. For example, the signature database should be stored in the cloud so that very little space on your hard drive is used and you aren’t required to do constant updates. The antivirus should also have an easy-to-use interface with essential tools such as scans and password managers that are easy to access and intuitive to operate. In addition, the software should protect multiple devices, not just one.

Finally, the quality of software support shouldn’t be overlooked. The support team should be responsive and knowledgeable, and they should be available via email, phone, and chat.

Windows 10, according to theinquirer.net, is a particularly appealing target for hackers and virus writers…

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Which Antivirus is Best for Window 10?

Before launching into a discussion on how an antivirus detects malware, it’s important to first understand the term itself; malware is an umbrella term for any type of malicious software. Malicious software can cost you time, lead to financial loss, and even cause emotional loss. Under this term, fall many different types of malware such as viruses, trojans, worms, rootkits, ransomware and more, all of which are categorized according to how they work, how they infect a computer, and their intent. 

**But how does my computer become infected with malware**?

There is no shortage of tricks used by malware authors to get you to download their malicious files.You might receive spam with an attachment that you open and that ends up installing malware on your PC, or you might end up with malware on your Pc via an infected removable drive such as a USB flash drive that you connected to your PC. You can also infect your computer when you download bundled software from third party websites or files shared through peer-to-peer networks.In general, downloading programs utilities, games, updates, demos, etc., from unreliable sources potentially puts your computer at risk. Malware can also infect your computer when you visit compromised URLs or webpages. However, the biggest offender is not having a powerful antivirus program installed on your system.

###### How antivirus software detects malware

Because there are so many different existing, new, and emerging types of malware, antivirus (AV) programs today must employ a multi-layer approach to detecting malware. The most widely used of these approaches are described below.

![](https://cms.reasonlabs.com/cdn/shutterstock_302765762-3233899535-1565535057857-300x226.jpg)

**Signature-based**. Signature-based threat detection is one of the earliest detection methods, but it is still widely used today. This method is similar to the method we use to identify criminals via their fingerprints. With signature-based detection, the AV looks at a virus’ digital code or signature and compares it against a signature database. If the digital code matches a signature in the signature database, it means that malware has been detected. The problem with signature-based detection is its reliance on known signatures to identify malware. This means it can only identify existing threats; it is ineffective in identifying new and unknown threats. 

**Heuristic****.** Heuristic detection examines files for suspicious-looking commands or instructions. Rather than looking at the virus’ signature, it examines samples of core code looking for established methods of virus programming. Detection of malware occurs whenever the AV detects one of these known methods of virus programming. Heuristic-based detection, while effective, also tends to turn up a lot of false positives.

**Behavior-based detection****.** As the name suggests, behavior-based detection searches for unusual actions or behaviors such as an application sending large chunks of data over the network or disabling security controls. Behavior-based detection can determine whether or not anomalous behavior poses a threat and can even detect previously unknown and new malware.

**Data mining****.** Data mining is one of the latest techniques used by AV programs. Data mining attempts to classify a file’s behavior as either malicious or benign by examining and analyzing its features against patterns in large datasets.

![](https://cms.reasonlabs.com/cdn/shutterstock_513585007-300x208.jpg)

**Sandbox analysis****.** The sandbox analysis method moves files to a secured environment, called a sandbox, and activates and analyzes the files there so they don’t expose the rest of the files to potential malware.

###### **The takeaway**

Antivirus software is your first and best line of defense against malware, but to be effective the software must rely on several detection methods as no single method can detect all the different types of malware. Only with a multilayer defense can antivirus programs fully detect and protect your data.

Before launching into a discussion on how an antivirus detects malware, it’s important to first…

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How does an antivirus detect malware?

Antivirus programs were initially created to distinguish and expel PC infections. Be that as it may, with the proliferation of different sorts of malware, antivirus programs began to protect against other PC dangers as well. Specifically, current antivirus programs can shield clients from ransomware, trojans, worms, ransomware, spam, adware, spyware and other malicious programs.

A good detection rate of viruses may be achieved when using different identification methods and layers of defense such as signature-based detection, heuristics and more. When a virus is analyzed by an antivirus provider, a signature of the malicious file is added to a signature database of the provider’s antivirus program. The program then compares signatures of files on the user’s computer to the provider’s signature database. 

![](https://cms.reasonlabs.com/cdn/shutterstock_504711919-300x206.jpg)

Viruses may begin as a solitary infection, and through changes made by different hackers, can evolve into a number of strains, called variants. Virus researchers find common areas within the code that all viruses in a family share, through an inexact match to an existing signature, and can thus create a single generic signature to perform what is known as heuristic detection. Once an infectious file is found by the antivirus software, the file, depending upon its configuration, may be immediately deleted or quarantined until the user manually decides how to proceed.

Antivirus programs were initially created to distinguish and expel PC infections. Be that as it…

What is antivirus software and how can it protect you?

Hacking has evolved into a billion-dollar growth business, making hackers relentless in their pursuit to exploit your data. And while antivirus programs can stop hackers, it is important to note that, much like the use of vaccines against biological viruses, no antivirus (AV) software is 100% foolproof. Nevertheless, antivirus software is highly effective at reducing your chances of becoming the next victim of a cyber attack. In fact, antivirus programs are able to effectively dispatch with most digital attacks on computers.

Antivirus software works by immunizing your computer against unauthorized software or coding that can threaten your operating system and data, and the better your antivirus software, the more secure your data. However, not all antivirus software is created equally. The more powerful antivirus packages detect threats in real-time and protect against existing and zero-day threats as well as malware, spyware, ransomware and more. Also, in order to ensure that your antivirus program can stop hackers, it must be updated regularly. Some of the more advanced AV software provide automatic updates.

![](https://cms.reasonlabs.com/cdn/bigstock-Hacking-And-Phishing-Concept-263466271-300x200.jpg)

When the antivirus software scans your files and emails, it is looking for viruses and it will delete or quarantine anything that looks like a threat. Known cyber threats can be identified by the AV program because it checks all the files and programs on your computer against a database of known threats. Zero-day threats, or threats that have never been encountered before, on the other hand, are identified using behavior-based detection techniques. This type of detection scans your computer for deviations from the norm and is able to determine whether those deviations represent a threat. In other words, it detects when behavior goes outside an acceptable range. For example, an AV would look at the behavior of a program and if it noticed the program trying to access certain files or registry entry that it wouldn’t normally try to access, the AV will flag the program as a cybersecurity threat.

![](https://cms.reasonlabs.com/cdn/locks-300x169.jpg)

Antivirus software is indeed the best way there is to protect yourself from hackers, but it is not the only way, and most cybersecurity experts recommend a multi-layer approach to protect your data. A multi-layered approach includes the following:

1.  A firewall for preventing unauthorized access to or from a network
2.  Encryption capabilities so that even if hackers can access your data, it is encrypted rendering it useless to them
3.  Automatic updates and patches of all your cybersecurity software
4.  A password manager to generate and keep track of long, complicated passwords, which provide greater security from hackers
5.  Data loss prevention software (DLP), which can detect when sensitive data such as bank information is leaving your system and going out over the Internet.

Hacking has evolved into a billion-dollar growth business, making hackers relentless in their pursuit to…

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Can Antivirus Programs Stop Hackers?

Start by Installing Reason Cybersecurity – **Get 70% Off Today**!
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Think about this for a minute: according to blackfriday.com, e-commerce sales this year are expected to **surpass $9 billion on Cyber Monday alone**. That’s a seriously hefty sum of money, which means that come Cyber Monday, those e-commerce sites are going to be seriously attractive targets for cyber criminals. That $9 billion expected jump in online sales is all the opportunity and incentive they need to use this popular shopping day to conduct their unscrupulous cyber crime campaigns.

![](https://i1.wp.com/blog.reasonsecurity.com/wp-content/uploads/2019/11/shutterstock_461355724.jpg?resize=505%2C336&ssl=1)

### Cyber Monday Sales vs Cyber Monday Security.

It also means that Cyber Monday is no longer just about online sales. Today, it is as much about cybersecurity as it is about cyber sales, making it incumbent upon businesses, large and small, to implement the necessary cybersecurity measures that will protect their data and their customers’ data.

### **Or suffer the consequences…**

Yes, that’s right, or suffer the consequences. According to financesonline.com, the average cost of a data breach for organizations worldwide has reached $3.92 million. Of course, the businesses that implement cybersecurity measures don’t suffer the consequences. Unlike smaller-to-medium-size businesses (SMBs), large enterprises have been relatively quick to embrace cybersecurity measures and technologies, primarily because the larger organizations have significantly greater resources and deeper pockets. However, there’s another more subtle reason why SMBs haven’t taken their cybersecurity more seriously; they simply don’t think they’re at risk.

![](https://i0.wp.com/blog.reasonsecurity.com/wp-content/uploads/2019/11/shutterstock_597009893-1-1719370827-1573644648118.jpg?resize=513%2C343&ssl=1)

### **Think again!**

SMBs are actually more vulnerable to cyber attacks precisely because they don’t devote enough resources to cyber safety. The statistics don’t lie: according to cnbc.com, **43% of all cyberattacks target small businesses**. And when attacked, the results aren’t pretty: **t**he average cost of cyber attacks on SMBs is a whopping $200,000. Furthermore, according to forbes.com, approximately **60% of SMBS that have to suspend operations due to a cyber attack never recover**. But financial costs are not the only costs incurred; intangible assets such as reputation, customer relations, and customer goodwill also suffer after a cyber attack.

### **So just how can SMBs benefit from cybersecurity?**

**Digital safety**. First and foremost, installing powerful antivirus software (AV) on your systems and network will protect your company data and your customer data. It will also ensure that your employees don’t inadvertently put your business at risk. For example, installing a solution that includes [ransomware antivirus protection and spyware protection](https://www.reasonsecurity.com/premium) can protect your business data from being held hostage by ransomware or stolen by spyware.

**Customer confidence**. Equally important, is the customer confidence inspired by proper protection against cyber breaches. When your customers and clients know that their welfare is your concern and that their personal data won’t be compromised, they feel more confident in your services and trust your products.

**Improved productivity**. Another added benefit is improved productivity. Viruses, worms, rootkits etc., can drastically slow down computers and bring work efforts to a standstill. Antivirus software will make this threat disappear.

**Keeps your website up**. Good cybersecurity can also keep your website from going down, which every business owner knows is a recipe for disaster. Infected systems or networks can force websites to close and closed websites equal lost transactions, and lost transactions equal lost income. Need we say more?

### **So what can SMBs do to protect themselves?**

**Install antivirus software.** Even with employees trained in cybersecurity, malware can sneak through. Phishing attacks are particularly successful. The Verizon 2019 Data Breach Investigations Report (DBIR) revealed that phishing was involved in 32% of confirmed breaches and 78% of cyber-espionage incidents, making it a top threat action. Antivirus software should be installed on all computer systems and the network to prevent phishing and other cyber attacks.

**Perform regular backups.** And the backups should then be stored at a location that is separate from the business location in case of fire or flood. The backups should also include all data on the cloud.

**Create a cyber awareness company culture.** Businesses can foster cyber awareness by educating their employees about cybersecurity best practices and company policies and protocols. Furthermore, employees must be informed if those policies and protocols change.

![](https://i0.wp.com/blog.reasonsecurity.com/wp-content/uploads/2019/11/shutterstock_400653328.jpg?resize=490%2C392&ssl=1)

**Enforce safe password practices.** The 2019 DBIR report also revealed that 80% of hacking-related breaches involve compromised or weak passwords, so strong password protocols are a must. Suggestions for strong password practices include creating passwords that have numbers, symbols, and both upper and lowercase letters, and changing passwords approximately every two to three months.

**Protect your business against supply chain attacks.** Third party and supply chain attacks occur when your business systems are compromised via an outside partner or service provider. Hackers search for the weakest link in order to slip their malware onto their target system. To protect your company, confirm that all of your vendors have the latest cybersecurity measures in place too.

### **Cyber Monday Sales vs AND Cyber Monday Security**.

As it turns out, businesses can have a successful Cyber Monday AND a secure Cyber Monday. There is no conflict between them when you implement the right cybersecurity measures. Of course, cybersecurity shouldn’t end on Cyber Monday. Effective cybersecurity requires constant vigilance. It also requires a cybersecurity company culture, and the right cybersecurity technology. But all of this is a small price to pay, and isn’t difficult to implement, when the return is the resilience and health of your business. In fact, you can start right now and take your first step toward cybersecurity by installing Reason antivirus software…

### **Take your first step towards cybersecurity with 70% off Reason Antivirus**.

[![](https://i0.wp.com/blog.reasonsecurity.com/wp-content/uploads/2019/11/Artboard-1.jpg?resize=470%2C294&ssl=1)](https://www.reasonsecurity.com/premium?offer=2831783737#plans)

Start by Installing Reason Cybersecurity – Get 70% Off Today! Think about this for a minute:…

How to Keep Your Business Safe on Cyber Monday.

In the age of digital transactions, platforms like PayPal’s mobile payment platform [Venmo](https://venmo.com/) have revolutionized the way we exchange money, with instant gratification high on the agenda. However, with convenience comes a new set of challenges. One such challenge is the rise of payment scams on social media platforms - for example, Venmo scams on Facebook Marketplace. 

In this blog, we'll delve into what Venmo scams are, how they work, and most importantly, how you can protect yourself from falling victim to Venmo scams.

## Is Venmo safe to use?
Venmo, like many other online financial platforms, is generally safe to use when you follow best practices for security and privacy. But while Venmo offers several security features to protect your account and transactions, and offers a level of online security and identity protection, it is essential for users to be aware of potential risks and take precautions, as no system is entirely foolproof. Your own vigilance and responsible use of the platform play a crucial role in keeping your Venmo account safe. In particular, users should be aware of scams that are currently operating. 

Additionally, following best practices are also advised e.g. keeping the Venmo app and any associated software up to date, as updates often include [security patches](https://cyberpedia.reasonlabs.com/EN/patch%20updates.html) and bug fixes.

## Can you get scammed on Venmo?

Venmo scams are fraudulent schemes or deceptive tactics that exploit users of the popular peer-to-peer payment platform, Venmo. These scams can take various forms, with Venmo email scams that attempt to alarm or excite users being a popular tactic - and all types of scams involving attempts to trick users into sending money to scammers, or divulge sensitive personal information. 

Some common types of Venmo scams include:

- **Fake Venmo Payment Requests**: Scammers create fake payment requests on Venmo that appear to be from friends, family members, or trusted individuals. They may claim to need money for emergencies, bills, or other reasons. Unsuspecting users then send the money thinking they are helping someone they know, only to realize later that it was a scam.
- **Purchase Scams**: Scammers pose as sellers on online marketplaces or classified ads platforms, offering products or services at attractive prices. They convince buyers to use Venmo for payment, and once the money is sent, the scammer disappears without delivering the promised goods or services.
- **Overpayment Scams**: In this scam, a scammer offers to purchase an item from a seller and sends a Venmo payment for more than the agreed-upon amount. They then ask the seller to refund the excess amount. The initial payment is typically fake, and once the seller refunds the excess, they lose their own money.
- **Investment Scams**: Scammers may pose as financial advisors or investment professionals, promising high returns on investments made through Venmo. They persuade victims to send money, claiming it will be invested, but the funds are actually stolen.
- **Phishing Scams**: [Phishing scams](https://cyberpedia.reasonlabs.com/EN/phishing.html) involve sending users fake Venmo emails or messages that appear to be from Venmo itself. These messages often request personal information, such as login credentials or financial details, which are then used to steal money or commit identity theft.
- **Prize or Sweepstakes Scams**: Scammers contact users, claiming they have won a prize or sweepstakes and need to send a small fee or cover taxes to claim their winnings. Victims send money, but there are no actual winnings, and the scammer disappears.
- **Rental Scams**: In rental scams, fraudsters pose as landlords or property managers, offering rental properties at low prices. They ask for a security deposit or rent payment through Venmo, but the property doesn't exist, or they have no authority to rent it out.
 
## Is it safe to give someone your Venmo username?

While sharing your Venmo username itself is theoretically safe, you should always exercise caution and consider the context in which you're sharing it. In general, it is relatively safe to share your Venmo username with someone because it is used for the sole purpose of receiving payments. When someone sends you money on Venmo, they need your username to locate your account and complete the transaction. However, bearing in mind the number of scams on the horizon, there are some important considerations to keep in mind:

- **Avoid scams**: Be vigilant about potential scams - scammers might request your Venmo username to send fraudulent payment requests or to impersonate you in a scam.
- **Privacy Settings**: Venmo allows you to customize your privacy settings, so you can choose to make your transactions public, visible only to your friends, or completely private. Review your settings and adjust them according to your comfort level with sharing transaction information. 
- **Be selective**: Only share your Venmo username with people you trust or individuals involved in legitimate transactions. Be cautious when sharing it with strangers or in public forums. Avoid sharing any other sensitive information, such as your password or financial details, with anyone who asks for it, as this could be a sign of a scam.
- **Password security**: Ensure that your Venmo account is secured with a strong, unique password that you don't share with anyone.

## What are Venmo Scams on Facebook Marketplace?
Venmo [Facebook Marketplace](https://www.facebook.com/marketplace/) scams involve fraudsters attempting to deceive users into sending them money through Venmo for goods or services on Facebook Marketplace that don't actually exist. These scams often target individuals looking to buy or sell items on the Marketplace, taking advantage of the trust and convenience associated with these platforms.

Venmo scams on Facebook Marketplace are carried out using a system of con tactics:

- **Fake listings**: Scammers create enticing listings for products or services they don't intend to deliver. These listings often feature attractive prices and high-demand items, luring potential buyers.
- **Smooth communication**: After expressing interest in a listing, the scammer initiates contact with the victim. They may use convincing language and employ tactics to build trust, such as claiming to be in urgent need of money or sharing a heart-wrenching story.
- **Request for Venmo payment**: The scammer convinces the victim to make a Venmo payment for the item or service. They might argue that this payment method is quicker and safer, as it offers some buyer protection.
- **Disappearing act**: Once the payment is made, the scammer vanishes. The victim is left empty-handed, with no recourse to recover their funds.

## How to avoid Venmo scams
While it can be distressing to realize you have been the victim of a scam, we do have a few tips to help users avoid Venmo scams on Facebook Marketplace and other platforms:

1. **Research the seller**: Always research the seller before making a purchase. Check their profile, reviews, and history of transactions. Be wary of sellers with no or limited activity.
2. **Verify listings**: When making purchases through Venmo, verify the legitimacy of the products or services being offered, and use secure payment methods whenever possible.
3. **Use Facebook Messenger**: Conduct conversations within Facebook Messenger rather than switching to external platforms. This allows you to maintain a record of the conversation and report any suspicious behavior to Facebook.
Insist on in-person transactions: Whenever possible, opt for in-person transactions. If a seller insists on using Venmo, consider it a red flag.
4. **Verify the item**: If you're purchasing a physical item, ask for detailed photos, descriptions, and proof of ownership. Verify that the item exists and is in the condition described.
5. **Avoid unusual payment requests**: Scammers often pressure victims to use Venmo for transactions. Be cautious if the seller refuses other secure payment methods like PayPal or cash upon pickup.
6. **Trust your gut**: If a deal seems too good to be true or if the seller's behavior raises suspicions, trust your instincts and walk away.
7. **Report suspicious activity**: If you encounter a suspicious listing or seller, report it to Facebook immediately. The platform takes scams seriously and can take action against fraudulent accounts. Be wary of unsolicited messages or requests for money. If something seems suspicious or too good to be true, it probably is.
8. **Enable [two-factor authentication (2FA)](https://cyberpedia.reasonlabs.com/EN/two-factor%20authentication%20(2fa).html)**: Activate 2FA for your Venmo account to add an extra layer of security. This will help protect your funds from unauthorized access.
9. **Dark web monitoring**: Use a dark web monitoring tool such as Online Security to alert you if your username and password details are being sold on the dark web - a criminal can use this information to try and hack your account
10. **Use trusted sources**: Only conduct financial transactions on Venmo with people or businesses you trust. Be cautious when dealing with unfamiliar individuals or online sellers.
11. **Educate yourself**: Stay informed about common scams and tactics used by fraudsters to recognize and avoid them.

## Venmo fraud protection: Does Venmo protect against scams?

Venmo, like other financial platforms, offers some fraud protection measures to help users safeguard their accounts and funds. However, the level of protection may vary, so it's essential to be aware of these features and how they work:

- **Security alerts**: Venmo may send alerts or notifications to users for unusual or potentially fraudulent account activities. For example, if there are suspicious login attempts or large, unusual transactions, Venmo may notify the account holder.
- **Two-factor authentication (2FA)**: Venmo offers the option to enable 2FA, which adds an extra layer of security to your account. With 2FA, you'll need to provide a one-time code (usually sent to your mobile device) in addition to your password when logging in.
- **Transaction monitoring**: Venmo employs automated systems to monitor transactions for suspicious activity. If a transaction seems out of the ordinary or matches known fraud patterns, it may be flagged for further review.
- **Customer support**: Venmo provides customer support to assist users with account-related issues, including fraud reports. Users can contact Venmo's [customer support](https://help.venmo.com/hc/en-us/requests/new?ticket_form_id=624807) to report unauthorized transactions or other security concerns.
- **Dispute resolution**: Venmo allows users to dispute transactions if they believe they've been a victim of fraud or if there is a problem with a transaction. Venmo will investigate the dispute and may reverse or refund the transaction if it's determined to be fraudulent or in violation of their policies.
- **Purchase protection**: Venmo may offer limited purchase protection for certain eligible transactions, such as purchases made through authorized merchants. This protection typically covers issues like non-delivery of goods or receipt of items significantly different from what was described.
- **Privacy settings**: Venmo allows users to customize their privacy settings, which can help control who can see their transactions and financial activity. Adjusting these settings can add an extra layer of security.
- **Email and phone verification**: Venmo encourages users to verify their email address and phone number, which can help enhance account security and recovery options.

Facebook Marketplace and Venmo can be convenient ways to buy and sell items, but they also attract scammers looking to exploit unsuspecting users. By staying informed and vigilant and practicing good digital security hygiene, you can minimize the risk of falling victim to Venmo scams. Remember to verify sellers, insist on secure payment methods, and report any suspicious activity. Your awareness and caution can help protect you and others from becoming victims of online scams.

For more information on other current online scams and identity protection, visit [https://reasonlabs.com/blog](https://reasonlabs.com/blog).


Venmo scams are fraudulent schemes that exploit users of the popular peer-to-peer payment platform, Venmo - involving attempts to trick users into sending money to scammers, or divulge sensitive personal information. 

Venmo Scams.jpg

11 Tips To Avoid Venmo Scams On Facebook Marketplace

## What do I do if I’ve been hacked on Facebook

If you are reading this blog, it’s most likely because you’ve noticed suspicious activity regarding your Facebook account, and you are wondering, ‘What do I do next?’

With over [2.8 billion](https://www.statista.com/statistics/264810/number-of-monthly-active-facebook-users-worldwide/) monthly active users, [Facebook](https://www.facebook.com/) (also known as the moniker “FB”), has become an integral part of our lives, connecting us with friends, family, and the wider world. As well as a user’s own profile page, there are groups to join, pages to look at, and friends’ profiles to comment on - making Facebook scrolling an addictive pastime. However, due to its immense popularity, this leading social media platform has also become a prime target for hackers and [cybercriminals](https://cyberpedia.reasonlabs.com/EN/cybercriminal.html) looking to exploit personal information, enact scams, and generally wreak havoc on our digital lives.

It can be very distressing to discover that your Facebook account has been hacked, and your data violated, but taking swift action and increasing awareness can help you regain control and protect your privacy. This blog post will explore what to do if your Facebook account was hacked and password changed: How to manage a hacked Facebook account recovery, how to report a compromised Facebook account, and what to do to prevent FB hacks from happening in the first place.  

## Facebook.com hacked
Besides personal account takeovers and other account hacks, Facebook itself has experienced [several significant security incidents](https://firewalltimes.com/facebook-data-breach-timeline/) and [data breaches](https://cyberpedia.reasonlabs.com/EN/data%20breach.html) over the years. Some notable instances include:

- 2007 - 2008: Facebook suffers from multiple [spam](https://cyberpedia.reasonlabs.com/EN/spam.html) attacks and [phishing](https://cyberpedia.reasonlabs.com/EN/phishing.html) scams targeting users.>data breach
- 2010 - 2011: "[Koobface](https://www.trendmicro.com/vinfo/us/threat-encyclopedia/malware/koobface)" worm spreads through Facebook, tricking users into downloading [malware](https://cyberpedia.reasonlabs.com/EN/malware.html).
- 2013 - 2014: Facebook faces various technical issues, including a [data breach](https://www.reuters.com/article/net-us-facebook-security/facebook-admits-year-long-data-breach-exposed-6-million-users-idUSBRE95K18Y20130621) that involved the exposure of users' private information through a bug, and the leak of millions of Facebook users' phone numbers and email addresses.

- 2018 [Cambridge Analytica scandal](https://www.vox.com/policy-and-politics/2018/3/23/17151916/facebook-cambridge-analytica-trump-diagram): A political consulting firm improperly obtained and exploited data from tens of millions of Facebook profiles for political advertising purposes, without users' consent.

## Facebook account hacked and locked: How to recognize the signs 
Recognizing the signs of potential compromise is the first step in safeguarding your Facebook account. Some common indicators that your Facebook account has been hacked and password changed include:

- **Unauthorized login attempts**: If you receive notifications about login attempts from unfamiliar devices or locations, your account may have been compromised.
- **Suspicious activity**: Unfamiliar posts, messages, or friend requests appearing on your timeline can be a sign of unauthorized access.
- **Missing or altered personal data**: Hackers may change your profile information or delete content, affecting your online identity.

## Facebook password hacked
If you notice that your password or recovery information has been altered without your knowledge, this is also a cause for concern. It’s time to do some damage control: If you can still access your account, change your password immediately!  Use a strong and unique password that includes a mix of upper and lowercase letters, numbers, and special characters. It’s also often recommended to make your password between 8-14 characters in length.

## What do I do if I’ve been hacked on Facebook?
If you find yourself asking the question, “What do I do if I’ve been hacked on Facebook?” it's crucial to act swiftly. Follow the steps below as soon as possible, in order to minimize the potential damage:

1. **Log out of all devices**: If you still have access to your account, log out from all devices immediately. This can be done by going to "Settings & Privacy" > "Settings" > "Security and Login" > "Where You're Logged In." From there, you can log out of all sessions.
2. **Secure your computer and devices**: Run a security scan on your computer and other devices with a next-generation endpoint security system like [RAV Endpoint Protection](https://reasonlabs.com/platform/products/endpoint-protection) that can detect malware or viruses that could have contributed to the hack.
3. **Warn your contacts**: If the Facebook hacker sent suspicious messages or posts from your account, you need to let friends and contacts know that “someone hacked my Facebook” and your account has been compromised. They should be aware of any Facebook Messenger that they receive ostensibly from you, and it’s important that they do not click on any suspicious links or provide personal information.
4. **Monitor account activity**: Keep an eye on your account for any unusual activity, even after you’ve secured it. This will help you detect any further unauthorized access. Additionally, stay vigilant against any other scams or phishing attempts that may be targeted at you during this time.

## Report Facebook account hacked
Facebook offers several security features to help you maintain the integrity of your account. As well as following the action items mentioned above, if you believe your Facebook account has been hacked you need to report the issue to Facebook as soon as possible. For hacked accounts, go to the [Facebook Help Center](https://www.facebook.com/help/) and search for "Hacked and Fake Accounts." Follow the provided instructions to report compromised Facebook accounts.

## Recovering a hacked Facebook account 
Recovering a hacked Facebook account takes a little bit of time and patience, but if your Facebook account has been hacked, you can take immediate action to secure and recover it, and regain access. To recover a hacked Facebook account, follow the steps below:
- **Change your password**: If you can still access your account, change your password immediately. As mentioned earlier, make sure to choose a strong password that includes a combination of letters, numbers, and special characters.
- **Forgot password**: If you can't access your account, go to the Facebook login page and click on the "Forgot Password" link. Follow the prompts to reset your password. You may need to provide information like your email address, phone number, or security questions associated with your account 
- **Recover hacked Facebook account**: If you are now locked out of your account or unable to reset your password because the hacker has changed your email address or phone number, use Facebook's account recovery options. Go to the Facebook login page, click on "Forgotten account?" and follow the prompts to regain access.
- **Secure your email**: If the email address associated with your Facebook account has also been compromised, recover your email account first. Most services, including Facebook, use your email for password recovery.
- **Enable two-factor authentication (2FA)**: Once you regain access, enable [two-factor authentication](http://cyberpedia) for your Facebook account. This adds an extra layer of security by requiring a code from your mobile device in addition to your password.
- **Review account activity**: Check your recent account activity to see if there have been any unauthorized actions. Facebook provides a way to view active sessions and log out of them.
- **Remove suspicious apps**: Review the apps and services connected to your Facebook account, and remove any apps you don't recognize or trust.
- **Contact Facebook support**: If you're unable to recover your hacked Facebook account using the standard methods, you can contact Facebook's support for assistance. Use their [Help Center](https://www.facebook.com/help) or support channels to report the issue.

## Preventing a “Facebook account hacked and locked” scenario 
While recovering a hacked Facebook account is essential, it's equally crucial to take measures to prevent a Facebook account ‘hacked and locked’ scenario from occurring in the first place. You can safeguard your account from future attacks by taking the following preventative measures:

- **Use strong passwords**: Create unique and complex passwords that include a mix of uppercase and lowercase letters, numbers, and special characters. Avoid using easily guessable information, such as your name or birthdate.
- **Keep your email account secure**: As your Facebook account is often linked to your email, make sure your email account is well-protected with a strong password and two-factor authentication.
- **Be wary of phishing attempts**: Be cautious of suspicious links or emails claiming to be from Facebook. Avoid providing your login details on unfamiliar websites.
- **Regularly review connected apps**: Periodically check the apps and websites connected to your Facebook account, and remove any that you no longer use or trust.

## Educate yourself and stay informed
While discovering that your Facebook account has been hacked can be a distressing time, taking swift action and staying informed about the latest security features and best practices can help you regain control and secure your profile.

Be cautious of suspicious links and emails, as hackers often use phishing tactics to gain access to your account. Familiarize yourself with Facebook's privacy settings and adjust them to suit your preferences. Learning to recognize the signs of a compromised account, changing your password, enabling two-factor authentication, and utilizing Facebook's security features are essential steps to secure your privacy and protect against online [identity theft](https://cyberpedia.reasonlabs.com/EN/identity%20theft.html). 

Lastly, avoid using the same password for multiple accounts. By staying educated and vigilant, you can enjoy a safer and more secure experience on the world's largest social media platform.

For more information and advice on staying safe online, visit [reasonlabs.com](http://reasonlabs.com). 


It can be very distressing to discover that your Facebook account has been hacked, and your data violated, but taking swift action and increasing awareness can help you regain control and protect your privacy. 


Facebook Hacked.jpg

My Facebook Account is Hacked & Email Changed! What to Do?

## How can someone scam you through Zelle?
In an age of instant gratification, [Zelle](https://www.zellepay.com/) is a convenient and popular peer-to-peer payment platform that allows users to quickly and easily send and receive money. However, while Zelle offers a secure way to transfer funds, unfortunately, it's not immune to scams. This recent [Bank of America Zelle scam](https://abc7news.com/bank-of-america-zelle-scam-fraud-warning/13599954/) is a perfect example, where bank customers saw thousands of dollars stolen from their accounts. 

Scammers are always finding new ways to exploit unsuspecting users. Zelle payment scams are on the rise, with certain scamming tactics becoming increasingly common as they prey on unsuspecting users. 

So how can someone scam you on Zelle? Is Zelle safe to use? How safe is Zelle for sellers? And is it safe to receive money through Zelle? This blog will examine some of the most common Zelle scams, and how to prevent them from happening.

## Phishing scams using Zelle
[Phishing](https://cyberpedia.reasonlabs.com/EN/phishing.html) scams are one of the most prevalent forms of online fraud, as detailed in the latest [Online Security Trends Report](https://reasonlabs.com/research/online-security-trends-report-2023) by ReasonLabs. The Zelle platform is no different: In a typical Zelle phishing scam, the user may receive an email or text message that appears to be from Zelle, asking them to click on a link and provide personal or financial information, such as bank account details or Zelle login credentials. Scammers can then use these details to gain unauthorized access to your account or steal your money.

To protect yourself from phishing scams using Zelle:

- Always double-check the sender's email address or phone number to ensure it's legitimate before clicking on any links or providing any information.
- Zelle will never ask for sensitive information via email or text. If you receive such a request, be highly suspicious.
- If in doubt, contact your bank or Zelle's [customer support](https://www.zellepay.com/contact-us) through their official website in order to verify the authenticity of any communication.

## Overpayment scams using Zelle
Overpayment scams using Zelle go as follows: Someone offers to buy goods or services from you using Zelle, but sends an excessive amount of money. They may claim it was a mistake and ask you to refund the excess amount via Zelle. After you refund the money, their initial payment is reversed or canceled, leaving you out of pocket.

To protect yourself from overpayment scams using Zelle:

- Be cautious when dealing with strangers in online transactions. Ensure that you're selling to a reputable buyer.
- Only accept the exact amount agreed upon for your goods or services.
- Never send money back to the buyer before confirming that the initial payment has cleared and is legitimate.

## Fake check scams with Zelle
A fake check scam is when someone sends you a check via Zelle for a larger amount than owed for a product or service, then asks you to refund the excess. The check may initially appear to clear, but it will eventually bounce, and you'll be responsible for the full amount.

To prevent being the victim of a fake check scam:

- Be skeptical of offers that involve receiving checks for goods or services.
- Always verify the legitimacy of any checks you receive, especially if they are for a significant amount.
- Avoid refunding any excess funds until the check has fully cleared, which can take several days.

## Impersonation scammers using Zelle
 
Scammers may pose as friends, family members, or businesses you trust, such as your bank - and request transactions via Zelle. They often use stolen or compromised accounts to make their requests appear legitimate. However, one of the most important rules of thumb is that a bank will never ask you for private details over an email or text message - and if the ‘request’ is coming from someone you know personally, it’s well worth double-checking with them via another means of communication.  

How to identify an impostor using Zelle:
- Always verify the identity of the person making a request, especially if it's for a significant amount of money.
- Contact the person directly through a trusted means, such as their known phone number, before fulfilling any requests for money.

## Zelle scams on Facebook Marketplace
[Facebook Marketplace](https://www.facebook.com/marketplace/) has grown into a popular platform for buying and selling items and provides a convenient way for users to connect and make transactions. However, just like any online marketplace, it's not immune to scams, and Zelle Facebook scams are no different:

- **Fake listings**: Scammers often create enticing listings for products or services that are too good to be true. These listings might feature high-end electronics, luxury items, or vehicles at exceptionally low prices. When you express interest in the item, the scammer will typically offer to conduct the transaction via Zelle.
- **Pressure to use Zelle**: Scammers may insist on using Zelle for payment and provide various reasons for doing so. They might claim it's faster, more secure, or that they've had issues with other payment methods. In reality, they prefer Zelle because it offers fewer protections for buyers.
- **Phishing links**: Some scammers use phishing links to trick buyers into sharing their Zelle login credentials or personal information. They might send you a message with a link that appears to be from Zelle or Facebook, asking you to log in to confirm your payment.
- **No physical meeting**: Scammers often avoid meeting in person and suggest shipping the item or using a third-party courier service. This way, they can disappear with your payment without delivering the promised product.

Always prioritize safety and use common sense when making transactions. If something doesn't feel right or raises suspicion, it's better to walk away from the deal than risk losing your money. 

Here’s how you can protect yourself from Zelle scams on Facebook Marketplace:

- Always double-check the URL in the address bar to ensure it's the official website of the platform you're using.
- Never click on suspicious links or provide your login credentials in response to unsolicited messages. Instead, go directly to the platform's website or app to perform any actions.
- Whenever possible, conduct transactions in person and meet the seller in a safe, public location.
- If shipping is the only option, use a reputable shipping service and insist on tracking information and proof of delivery. 
- Be cautious of deals that seem too good to be true. If a listing appears too cheap compared to market value, it may be a scam.
- Research the seller's profile and history on Facebook Marketplace. Look for positive reviews and a track record of successful transactions.
- Be wary of sellers who push you to use a specific payment method. Facebook Marketplace allows multiple payment options, so you have the flexibility to choose a method that you're comfortable with.
- If a seller insists on using Zelle, consider it a red flag and proceed with caution.

Zelle is a convenient tool for transferring money, but it's essential to stay vigilant and informed about potential scams. By following these tips and exercising caution, you can protect yourself from falling victim to Zelle scams. Remember that if something seems too good to be true or appears suspicious, it's better to be safe than sorry. Stay informed and take proactive measures to keep your finances and personal information secure.

You can also take proactive measures to stay safe when browsing, making purchases, or interacting online, by using a browser extension like [Online Security](https://reasonlabs.com/platform/products/extension), which can alert you if you try to access a suspicious website, link, or download. For more information on how to stay vigilant when it comes to [identity protection](https://cyberpedia.reasonlabs.com/EN/identity%20protection.html) and your online presence in order to avoid falling victim to scams or [data breaches](https://cyberpedia.reasonlabs.com/EN/data%20breach.html), visit us at [https://reasonlabs.com/blog](https://reasonlabs.com/blog).



Scammers are always finding new ways to exploit unsuspecting users. Zelle payment scams are on the rise, with certain scamming tactics becoming increasingly common as they prey on unsuspecting users.

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