QR codes have become an invaluable tool for businesses, streamlining everything from customer payments to accessing menus and services with a simple scan. Unfortunately, their convenience makes them easy targets for scammers, who can create and replace codes in seconds to steal money or personal information. This type of scam is known as quishing.
One frequent scheme occurs in parking lots, where fraudsters cover legitimate payment QR codes with their own, directing unsuspecting users to fake websites designed to capture their payment details. These scams can be especially deceptive, as the signs and processes appear completely authentic. Always examine QR codes carefully before scanning—especially in unexpected locations—and verify that the website’s address is legitimate. When in doubt, err on the side of caution and avoid scanning QR codes unless absolutely necessary.
Here are some helpful tips to stay safe:
- Always double-check the website URL before proceeding after a scan.
- Look for signs that the QR code may have been tampered with or placed over another code.
- Keep your phone’s software updated to ensure you have the latest security protections.
- If something feels suspicious, use an alternative payment method instead.
Reporting Suspicious Activity
If you encounter a scam or suspicious activity, report it immediately. SmartBank offers assistance:
- Client Services: 1.866.290.2554
- Email: ReportFraud@smartbank.com
Also report to law enforcement:
- Local police department
- Federal Trade Commission (FTC) at reportfraud.ftc.gov