Using mobile payment apps, also known as peer-to-peer payment apps, has become a routine part of most people’s financial lives. Being able to quickly and easily transfer and receive money among friends and family is a game-changer. And payment apps make conducting transactions with small businesses much more convenient. But just as with all financial products and services, there are precautions to take when using them. Review these safety tips for mobile payment apps.

Stick with What You Know

Only download payment apps from the App Store or Google Play. Choose established apps with  names you recognize and trust, such as Cash App, PayPal or Venmo.  Google Pay and Apple Pay are also reliable choices.

If someone insists on conducting a transaction on an app you’ve never heard of aren’t comfortable using, figure out a different way to pay (or get paid).

Don’t Click Links

Always navigate to the app directly, rather than clicking a link embedded in an email or text message. Scammers have gotten more sophisticated and are able to craft texts and emails that look like the real thing, but are really phishing scams designed to get your money and/or personal and banking information.

Keep the Apps Current

The world of online safety is constantly changing. An app that’s secure one day could be compromised the next. That’s why it’s important to make sure you’re always using the most current version of the app. The easiest way to do that is to set up your phone to allow app updates automatically.

Take it one step further by making sure your phone itself is running the most current operating system to help ensure overall security.

Be Aware of Your Surroundings

Try to avoid using mobile payment apps in crowded indoor spaces. “Shoulder surfers” are people who hover close to you and watch as you enter your phone’s pass code or the password for the payment app.  Try to use the app in an area where no one is directly behind you or next to you. And remember to keep your phone in your pocket or purse when you’re not using it. Don’t leave it sitting on the table or bar. That makes it an easy target for thieves.

Monitor Your Accounts

Keep an eye on activity in your payment apps and transactions on any debit or credit card you have connected to the apps. If you notice anything suspicious, contact customer service for the app and the card issuer right away. The sooner you bring it everyone’s attention, the faster it can be resolved.

Have a Backup Plan

Although mobile payment apps are generally reliable, anything digital is subject to glitches and security issues. Be sure to carry some cash, a debit card or credit card with you in case your preferred app isn’t always available when you need it.