A new scam that you might not have heard about, but it’s gaining popularity.

We are firmly in the digital age. The time has come where we don’t need to carry around credit cards or cash if we want to pay for something. And, thanks to apps like Venmo or Cashapp, we can even pay each other virtually. But with that power comes responsibility.

“The BBB has been warning about Venmo scams and PayPal scams and any digital wallet scams,” says Monde Donaldson with the Better Business Bureau.

This is how it works: you get a text or notification through your app that you have a payment to your account of thousands of dollars from someone you don’t know. Your first instinct is to send the money back, but—

“But you don’t want to do that because, actually, what you’re sending it to is an account from a stolen credit card. So, what these folks do is, by the time you start initiating the transfer, they have moved it from the stolen credit card to their credit card,” says Donaldson.

The victims of the stolen credit card will dispute the transaction and get their money back, meanwhile the money you send back will be drawn out of your bank account. Scams like these are only growing and becoming more sophisticated. The best way to guard yourself:

“You connect your Venmo to your credit card.”

That way you can dispute any charges without the money coming straight out of your bank account.

If you think you’ve been scammed, report it at Support@Venmo.com