Golpistas fazem circular boletos (as guias de pagamento do Brasil) cujo codigo de barras e dados do beneficiario foram trocados pelos do fraudador, muitas vezes por um malware chamado 'bolware'; a vitima paga uma conta que parece legitima e o dinheiro vai pro criminoso. O boleto e um instrumento tipicamente brasileiro, e o formato imprimivel do codigo de barras/linha digitavel e exatamente o que o 'bolware' explora pra desviar pagamentos comuns.

Como o golpe funciona

1. Um malware ('bolware') no aparelho da vitima, ou um e-mail/mensagem de phishing, entrega um boleto com a conta do beneficiario trocada em silencio.
2. O codigo de barras e adulterado pra que a leitura falhe, empurrando a vitima a digitar a linha numerica na mao.
3. A vitima paga acreditando que esta quitando uma conta de verdade (aluguel, condominio, uma fatura).
4. O dinheiro cai na conta do fraudador, em vez de ir pro credor verdadeiro.

Sinais de alerta

• Um boleto cujo codigo de barras nao le, obrigando voce a digitar a linha numerica na mao.
• O nome/CNPJ do beneficiario na tela de pagamento nao bate com quem voce deve.
• Boletos que chegam por e-mail/WhatsApp de contas que voce nao esperava, ou com valores/vencimentos alterados.

Como se proteger

• Sempre confira o nome do beneficiario, o CPF/CNPJ e o valor que aparecem na tela de confirmacao do pagamento.
• Nao imprima boletos; use o PDF e mantenha o antivirus atualizado (protege contra o bolware).
• Confira se os tres primeiros digitos do codigo de barras batem com o codigo do banco emissor.
• Cadastre-se no DDA (Debito Direto Autorizado) pra receber boletos eletronicos direto da fonte.

Betrueger bringen Boletos (Brasiliens Zahlscheine) in Umlauf, deren Strichcode und Empfaengerdaten gegen die des Betruegers ausgetauscht wurden, oft durch eine Schadsoftware namens 'bolware'; das Opfer zahlt eine scheinbar echte Rechnung und das Geld geht an den Kriminellen. Der Boleto ist ein typisch brasilianisches Zahlungsmittel, und das druckbare Strichcode-/Zahlzeilen-Format ist genau das, was 'bolware' ausnutzt, um gewoehnliche Zahlungen umzuleiten.

So funktioniert die Masche

1. Eine Schadsoftware ('bolware') auf dem Geraet des Opfers oder eine Phishing-Mail/-Nachricht liefert einen Boleto, bei dem das Empfaengerkonto still ausgetauscht wurde.
2. Der Strichcode ist so manipuliert, dass das Scannen fehlschlaegt, was das Opfer draengt, die Zahlzeile von Hand einzutippen.
3. Das Opfer zahlt im Glauben, eine echte Rechnung zu begleichen (Miete, Hausgeld, eine Rechnung).
4. Das Geld landet auf dem Konto des Betruegers statt beim echten Glaeubiger.

Warnsignale

• Ein Boleto, dessen Strichcode nicht liest und Dich zwingt, die Zahlzeile von Hand einzutippen.
• Der Name/die CNPJ des Empfaengers auf dem Zahlungsbildschirm passt nicht zu dem, was Du schuldest.
• Boletos, die per E-Mail/WhatsApp fuer nicht erwartete Rechnungen kommen oder mit geaenderten Betraegen/Faelligkeiten.

So schützt du dich

• Pruef immer Empfaengername, CPF/CNPJ und Betrag, die auf dem Zahlungs-Bestaetigungsbildschirm erscheinen.
• Druck keine Boletos; nutz das PDF und halt das Antivirus aktuell (schuetzt vor bolware).
• Pruef, ob die ersten drei Ziffern des Strichcodes zum Code der ausstellenden Bank passen.
• Melde Dich beim DDA (Autorisierter Direkteinzug) an, um elektronische Boletos direkt von der Quelle zu erhalten.

Crooks circulate boletos (Brazil's bank slips) whose barcode and beneficiary data have been swapped for the fraudster's, often via malware called 'bolware'; the victim pays a bill that looks legitimate and the money goes to the criminal. The boleto is a typically Brazilian payment instrument, and its printable barcode/digit-line format is exactly what 'bolware' exploits to redirect ordinary payments.

How the scam works

1. Malware ('bolware') on the victim's device, or a phishing email/message, delivers a boleto with the beneficiary's account silently swapped.
2. The barcode is altered so scanning fails, pushing the victim to type the digit line by hand.
3. The victim pays believing they're settling a real bill (rent, condo fee, an invoice).
4. The money lands in the fraudster's account, instead of going to the real creditor.

Warning signs

• A boleto whose barcode won't read, forcing you to type the digit line by hand.
• The beneficiary's name/CNPJ on the payment screen doesn't match who you owe.
• Boletos arriving by email/WhatsApp for bills you weren't expecting, or with changed amounts/due dates.

How to protect yourself

• Always check the beneficiary name, CPF/CNPJ and amount shown on the payment confirmation screen.
• Don't print boletos; use the PDF and keep your antivirus updated (it guards against bolware).
• Check that the first three digits of the barcode match the issuing bank's code.
• Register for DDA (Authorized Direct Debit) to receive electronic boletos straight from the source.

Los estafadores hacen circular boletos (las guias de pago de Brasil) cuyo codigo de barras y datos del beneficiario fueron cambiados por los del defraudador, a menudo mediante un malware llamado 'bolware'; la victima paga una cuenta que parece legitima y el dinero va al criminal. El boleto es un instrumento tipicamente brasileno, y su formato imprimible de codigo de barras/linea digitable es justo lo que el 'bolware' explota para desviar pagos comunes.

Cómo funciona la estafa

1. Malware ('bolware') on the victim's device, or a phishing email/message, delivers a boleto with the beneficiary's account silently swapped.
2. The barcode is altered so scanning fails, pushing the victim to type the digit line by hand.
3. The victim pays believing they're settling a real bill (rent, condo fee, an invoice).
4. The money lands in the fraudster's account, instead of going to the real creditor.

Señales de alerta

• A boleto whose barcode won't read, forcing you to type the digit line by hand.
• The beneficiary's name/CNPJ on the payment screen doesn't match who you owe.
• Boletos arriving by email/WhatsApp for bills you weren't expecting, or with changed amounts/due dates.

Cómo protegerte

• Always check the beneficiary name, CPF/CNPJ and amount shown on the payment confirmation screen.
• Don't print boletos; use the PDF and keep your antivirus updated (it guards against bolware).
• Check that the first three digits of the barcode match the issuing bank's code.
• Register for DDA (Authorized Direct Debit) to receive electronic boletos straight from the source.

Les escrocs font circuler des boletos (les avis de paiement du Bresil) dont le code-barres et les donnees du beneficiaire ont ete remplaces par ceux du fraudeur, souvent via un malware appele 'bolware'; la victime paie une facture d'apparence legitime et l'argent part chez le criminel. Le boleto est un instrument de paiement typiquement bresilien, et son format imprimable de code-barres/ligne a saisir est exactement ce que le 'bolware' exploite pour detourner des paiements ordinaires.

Comment l'arnaque fonctionne

1. Malware ('bolware') on the victim's device, or a phishing email/message, delivers a boleto with the beneficiary's account silently swapped.
2. The barcode is altered so scanning fails, pushing the victim to type the digit line by hand.
3. The victim pays believing they're settling a real bill (rent, condo fee, an invoice).
4. The money lands in the fraudster's account, instead of going to the real creditor.

Signaux d'alerte

• A boleto whose barcode won't read, forcing you to type the digit line by hand.
• The beneficiary's name/CNPJ on the payment screen doesn't match who you owe.
• Boletos arriving by email/WhatsApp for bills you weren't expecting, or with changed amounts/due dates.

Comment te protéger

• Always check the beneficiary name, CPF/CNPJ and amount shown on the payment confirmation screen.
• Don't print boletos; use the PDF and keep your antivirus updated (it guards against bolware).
• Check that the first three digits of the barcode match the issuing bank's code.
• Register for DDA (Authorized Direct Debit) to receive electronic boletos straight from the source.

I truffatori fanno circolare boleto (i bollettini di pagamento del Brasile) il cui codice a barre e i dati del beneficiario sono stati sostituiti con quelli del frodatore, spesso tramite un malware chiamato 'bolware'; la vittima paga una bolletta che sembra legittima e i soldi vanno al criminale. Il boleto e uno strumento di pagamento tipicamente brasiliano, e il suo formato stampabile di codice a barre/riga da digitare e proprio cio che il 'bolware' sfrutta per dirottare pagamenti ordinari.

Come funziona la truffa

1. Malware ('bolware') on the victim's device, or a phishing email/message, delivers a boleto with the beneficiary's account silently swapped.
2. The barcode is altered so scanning fails, pushing the victim to type the digit line by hand.
3. The victim pays believing they're settling a real bill (rent, condo fee, an invoice).
4. The money lands in the fraudster's account, instead of going to the real creditor.

Segnali d'allarme

• A boleto whose barcode won't read, forcing you to type the digit line by hand.
• The beneficiary's name/CNPJ on the payment screen doesn't match who you owe.
• Boletos arriving by email/WhatsApp for bills you weren't expecting, or with changed amounts/due dates.

Come proteggerti

• Always check the beneficiary name, CPF/CNPJ and amount shown on the payment confirmation screen.
• Don't print boletos; use the PDF and keep your antivirus updated (it guards against bolware).
• Check that the first three digits of the barcode match the issuing bank's code.
• Register for DDA (Authorized Direct Debit) to receive electronic boletos straight from the source.