The checker matches English-language wording associated with gift-card demands, bank “safe account” fraud, family emergencies, changed vendor bank details, credential phishing, investment scams, delivery fees and government impersonation. It also flags urgency and some link patterns.
It does not understand the full conversation or verify who sent it. Ordinary messages may trigger a warning, and unfamiliar wording, other languages or new scams may not. Even a legitimate message can contain a link or urgent language.
Before sending money or sharing account information, contact the organization or person using details you already trust. Never rely on a clean result as permission to click, pay or disclose a code.
If you already paid, contact your bank or payment provider immediately. For U.S. fraud reports, use ReportFraud.ftc.gov; elsewhere, contact your local consumer protection or police reporting service.