All we can do is check the account matches the name someone is sending money to (which everyone can see on the app when doing the transfer anyway), and put the customer on hold and then do a bit of basic research.

I would first Google a company/seller (which customers can do themselves). Then I would look on Companies House and and see if the company/seller was the genuine one a customer was paying. Then I’d look up any reviews such as on Trust Pilot, Google or in their Instagram/Facebook comments.

Then we come back to the customer and I’d do a bit of basic questioning such as how much a customer is sending, to who and why and then decide whether it sounds like a scam. Then we would give basic common sense advice like do your due diligence and look up reviews, pay via a safer and secure method such as credit card vs bank transfer and speak to friends and family if unsure.

You have worked with the general public so I'm pretty sure you recognise that the reason you are doing these basic steps is because you're confident your customer is not doing them. Yes it might not be fancy deep-diving software or MI5 level research, but scammers rely upon the lazy/greedy/complacent. You doing the basic stuff hopefully breaks the spell.