Mystery Shopping Scams

Getting paid to shop sounds like a dream job — especially if you’re looking for a side job or going to school full-time. Don’t let your dream job turn into a nightmare. Bank of New Hampshire recommends these tips to avoid falling victim to mystery shopper scams.

What’s Mystery Shopping?

To learn more about their customers’ experiences, some retailers and restaurants might hire people to go into their businesses to try their products or services and report on their experiences. These mystery shoppers, or secret shoppers, typically pay for the product or service themselves and then get reimbursed by the retailer. Sometimes the retailer will also pay them a little bit extra for their work. Keep in mind, many professionals in the field think of mystery shopping assignments as part-time or occasional work — not something to replace a full-time job.


Avoid Mystery Shopper Job Scams

If you have to pay an upfront fee to become a mystery shopper, that’s always a scam. When you’re looking for mystery shopper jobs, here are ways you can avoid scams:

  • Don’t pay to work. Honest companies pay you, not charge you, to work for them. Even if they say the money is really for a certification, training, or a guaranteed job, don’t do it. No real job, including mystery shopping, involves paying to get the job. You’ll find out the certification is worthless, and there’s probably no job.
  • Don’t pay for a list of mystery shopping jobs. You can get that information free.
  • Never wire money as part of a mystery shopping assignment. A scammer might send you a check, say, for buying products, tell you to deposit it and wire money back for “taxes,” “fees,” or some other reason. This is a classic scammer move. Wiring money is like sending cash — once you send with a company like MoneyGram or Western Union, you probably can’t get it back.
  • Never deposit checks into your bank account and send money back. It doesn’t matter who it’s from or what they say it’s for — don’t do it. This is a fake check scam. Any money withdrawn from your account is your own money since the check is worthless.
  • Don’t apply for mystery shopping jobs that guarantee you can make a lot of money. Only scammers make these guarantees. And only scammers say that you’ll be able to quit your job and do this full-time. Mystery shopping jobs are typically part-time work and don’t usually pay enough to replace a full-time job.
  • Don’t respond to a job notice saying it’s with MSPA. The Mystery Shoppers Professionals Association (MSPA) is a trade association for the customer experience industry. MSPA doesn’t hire or advertise for mystery shoppers. But they do have a list of service provider companies that you can register with to find possible mystery shopping jobs.


Also, search online for the company name with the words “review,” “complaint,” or “scam.” It’s a good idea to see what others are saying about the company before you pursue a job with them. And talk with someone you trust to get their opinion before you take the job.

If you suspect that you are the victim of a mystery shopping scam, please contact Bank of New Hampshire immediately at 1.800.832.0912.


Credit: Federal Trade Commission