PayID is a free service that doesn’t allow you to pay for "upgrades" or require any payment to set up, register or otherwise operate. They also say scammers are targeting the service because it’s trusted by the public. "I think PayID and the NPP could do a much better job of promoting it," argues Paul Haskell-Dowland, professor of cybersecurity practice at Edith Cowan University. Experts say these vulnerabilities could be reduced if the organisations responsible for PayID marketed and educated people about it more effectively. CHOICE has spoken to several finance and cyber security experts and their common conclusion is that a lack of awareness of PayID among consumers is leading to it being co-opted by criminals. "If you check, there’s an email that looks very much like a bank email saying there’s a problem with your PayID" http://play123.co.kr/bbs/board.php?bo_table=online&wr_id=469674