Written by Jemina Owen-Jones

April 18th, 2024


Temu is a merchant that has been in business for an undisclosed period of time. They provide a range of retail products, though the specific details of these products are not available.
  • PAYPAL: Indicates that the transaction is related to PayPal.
  • INST XFER: Signifies that it is an instant transfer.
  • TEMU: Represents the payment recipient.
  • WEB ID: Refers to the identification number associated with the website.
  • PAYPALSI77: Could be a specific transaction or invoice number.
  • Find & fight fraud from anywhere

    Verify With Receipt

    The best way to tell if this charge is fraudulent is to find the receipt. You may have an electronic copy of the receipt, which you can finding by searching in your email accounts for Temu.
    Or, if you want to automatically find and reconcile receipts so you never worry about fraud, you can use SimplyWise to automatically match all bank and credit card transactions to email and paper receipts. The app instantly reconciles your expenses and flags anything that doesn’t match.
    Step 1

    Connect your email

    Download the SimplyWise app and connect your email account. SimplyWise will search through your emails and find all the receipts in your inbox. This allows you to understand what exactly you are paying for when you see a bank transaction on your statement.
    Step 2

    Connect Your Bank

    Connect to your bank account/credit card transactions through the secure (256 bit encryption) Reconciliation feature within the app.
    Step 3


    Reconcile the charges reported by your financial institution against what you’ve recorded in your SimplyWise account. Find fraud quickly! SimplyWise will match your transactions to your bank/credit card spending and check those items off.
    SimplyWise Community Comments
    Walter Peterson
    3 months ago
    Hey, I had the same charge on my statement last month! It's definitely worth looking into, could be a mistake or worse. Better be safe than sorry!
    Gregory Thompson
    3 months ago
    This fraudulent charge from PAYPAL INST XFER TEMU WEB ID: PAYPALSI77 on 03/15/2023 needs to be resolved ASAP! Outrageous!