Fake Unpaid Invoice Scams
Invoices for goods or services never ordered, or duplicate 'overdue' demands, hoping you'll just pay.
Last reviewed: 1 June 2026
What this scam is
Fake unpaid invoice scams send invoices for products or services you never ordered, or duplicate 'overdue' notices, betting that busy accounts staff will pay without checking.
How it works
An official-looking invoice arrives, sometimes referencing a real-sounding order or a small, plausible amount. 'Overdue' and 'final notice' language adds pressure. Paying funds the scammer for nothing.
Common red flags
- Invoices for things you can't confirm ordering
- 'Overdue/final notice' pressure on first contact
- Small, plausible amounts to avoid scrutiny
- Unfamiliar supplier or bank details
Sanitized example messages
Illustrative, sanitized examples. Personal details are replaced with placeholders such as [phone number] and [fake link].
FINAL NOTICE: invoice [number] is overdue. Pay [amount] immediately to avoid collection action.
Payment methods used
- Bank transfer
- Card
- Invoice payment
Who is usually targeted
- Accounts payable teams
- SMEs
What to do immediately
- Match every invoice to a real purchase order before paying
- Verify unfamiliar suppliers and bank details
- Report misleading invoices
Evidence to preserve
- The invoice
- Purchase records (or absence)
- Supplier details
Where to report it
- Action Fraud (UK) — UK national fraud & cybercrime reporting centre
- FTC ReportFraud (US) — US Federal Trade Commission fraud reports
- FBI IC3 (US) — US Internet Crime Complaint Center
- Scamwatch (Australia) — Australian competition & consumer reporting
- Your bank's fraud line — Use the number on the back of your card or in your banking app — never a number the caller gives you
Always verify reporting routes and emergency contacts on the official government or agency website for your country.
Frequently asked questions
How do we stop paying fake invoices?
Require every invoice to match an approved purchase order, verify new suppliers and bank details, and apply dual authorisation. Treat unsolicited 'overdue' invoices with suspicion.