Quick answer
Never reveal your PIN or OTP. Watch the terminal, collect receipts, confirm debit alerts, and avoid agents who pressure you to retry many times after a failed transaction.
Red flags
- Agent asks for your PIN or OTP.
- Agent hides the POS screen.
- Receipt is refused after a failed transaction.
- You are told to retry repeatedly after debit.
- Charges are not disclosed upfront.
- Agent insists your bank is the only problem without giving evidence.
What to do if scammed
Report to your bank immediately with the POS receipt, agent details, amount, time, and location. If the matter is unresolved, escalate using official CBN/FCCPC complaint channels.
Related: ScamGuard Nigeria, Failed POS transaction, Report bank fraud.