A criminal orders goods or services from a business and makes a payment into the victim’s account, mostly by means of a fraudulent cheque. Proof of payment is then sent to the business and goods are delivered to the criminal. When the bank processes the cheque, it is uncovered that the cheque is fraudulent and as a result no funds are transferred to the victim’s account. The victim is thus out of pocket as they do not have the goods nor the money. In other instances the order is cancelled and an urgent refund is requested. Alternatively a payment is made in “error” and an urgent refund is requested.