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If you're selling an item, you should work with a common online payment system like PayPal, Venmo, or Zelle. And if you're new to online payments, don't accept the word of the buyer that they've made the payment (or an image of a receipt they've texted to you). The point of using a solution like PayPal is that you get an instant verification that payment has been received - you don't need to take the word of the buyer.