Engineered Fiction

You're being targeted by one of the cleverest scams going right now, and the reason it works is uncomfortable: the email genuinely came from PayPal.

The trick is in the subject line, not the email

When most people think "phishing email," they picture sketchy senders, broken English, and links to weird domains. This scam is the opposite. The email passes every authenticity check — SPF, DKIM, DMARC, all green. It comes from PayPal's actual mail servers. The fonts are right. The footer is right. The unsubscribe link works. If you forwarded it to a security expert and asked "is this really from PayPal?" they'd have to say yes.

So how is it a scam?

Scammers have figured out that PayPal lets anyone send small amounts of money to anyone else, and that PayPal will dutifully email the recipient a notification. The scammer sends you a payout of, say, one Hungarian forint — about a quarter of a cent. PayPal's system then automatically generates and sends you a real, legitimate, fully-authenticated email confirming the transaction.

Here's the catch: the email's subject line is whatever the scammer typed when they set up the payout. PayPal doesn't sanitize it. So they write something terrifying like "Pending charge of USD 987.90 — call this number with questions" and PayPal's servers cheerfully deliver that subject line straight to your inbox, wrapped in a perfectly legitimate-looking notification.