How can I avoid payment scams?

The answer

Pay only through the provider's official channels, and find contact details yourself on the official website or your bill instead of trusting numbers or links in unexpected messages. Never share one-time passwords, card details or banking credentials with anyone who contacts you, and do not install apps or allow remote access for people you cannot verify. Be careful with urgent messages demanding payment, confirm any payment link with the provider, and keep proof of every payment.