A Point-of-Sale (POS) operator has taken to TikTok to warn fellow agents after she said she narrowly avoided falling victim to an attempted ₦1 million scam.
The lady, who operates both MoniePoint and OPay POS services to earn a living, shared her experience in a video posted on TikTok. She explained how a customer allegedly attempted to manipulate the withdrawal process to make her pay out far more money than intended.
According to her account, the individual reportedly wanted to withdraw just ₦1,000 but entered additional digits after the amount, making the transaction appear to be ₦1 million.
The POS operator said she noticed something was wrong before completing the transaction. Her experience prompted her to publicly alert other POS operators who may not be familiar with the alleged method.
She also explained a difference she has observed between the MoniePoint and OPay POS transaction processes.
According to the operator, OPay requires an agent to enter the customer’s account number before entering the amount to be withdrawn. She said MoniePoint follows a different process, where the amount is entered before the customer’s account number.
She suggested that this difference could make it particularly important for MoniePoint agents to carefully verify the amount displayed before confirming a transaction.
The operator used her TikTok video to encourage other POS agents to remain vigilant and carefully check every transaction, particularly when handling cash withdrawals.
Her warning has also highlighted the importance of confirming the transaction amount before handing cash to a customer. POS operators handle financial transactions on behalf of customers daily, making careful verification an important part of preventing losses.
The lady appeared cheerful as she narrated her experience, with her smile reflecting her relief at detecting the suspected scam before any money was lost.
Her video serves as a reminder to POS operators that scammers may attempt different methods to exploit mistakes or differences in transaction procedures.
Agents are therefore encouraged to carefully review the amount entered, confirm transaction details and avoid rushing to complete withdrawals, especially when something appears unusual.
The incident has generated attention online as the POS operator’s warning could help other agents become more aware of potential attempts to manipulate withdrawal transactions.
