Is a puppy breeder who only accepts bank transfer and won't let me visit a scam?
Almost certainly yes. Refusing visits and insisting on bank transfer are the two clearest red flags of a pet scam.
Last reviewed: 1 June 2026
Explanation
Puppy and kitten scams are among the most emotionally damaging frauds. Criminals post photos of desirable breeds at below-market prices, often listing the pet as free to a good home with just transport costs required. When you express interest, excuses are made for why you cannot visit — the breeder is abroad, the puppy is being transported, or viewings are not currently possible. Once you pay, the puppy never arrives and follow-up contact stops. Sometimes a second payment is requested for 'insurance' or 'customs clearance'. Real breeders welcome visits, are registered with breed associations, can provide veterinary records, and accept multiple payment methods. Always meet a pet before paying anything.
Common red flags
- No in-person viewing allowed before payment
- Only payment method is bank transfer or cryptocurrency
- Breeder is in a different country or city with no physical address
- Price is significantly below market rate for the breed
- Additional fees requested after initial payment for transport, insurance, or customs
What to do now
- Never pay for a pet you have not met in person
- Verify breeder registration with the national kennel club
- Use a licensed local rescue or reputable breeder with verifiable references
- Report the scam to your national fraud service and the platform where the ad appeared
Frequently asked questions
What if the breeder sends me lots of photos and a video?
Photos and videos are easily stolen from genuine breeders' social media accounts. They do not verify that the animal exists or that you will receive it. An in-person meeting is the only reliable verification.