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Apple Pay is easy and works with the Apple devices you use every day.

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He may also send you checks to cash since he’s out of the country and can’t cash them himself, or he may ask you to forward him a package. You were targeted by criminals, probably based on personal information you uploaded on dating or social media sites.

The pictures you were sent were most likely phony lifted from other websites.

But as Valentine’s Day gets closer, the FBI wants to warn you that criminals use these sites, too, looking to turn the lonely and vulnerable into fast money through a variety of scams..

These criminals—who also troll social media sites and chat rooms in search of romantic victims—usually claim to be Americans traveling or working abroad. While their most common targets are women over 40 who are divorced, widowed, and/or disabled, but every age group and demographic is at risk. You’re contacted online by someone who appears interested in you.

And now you can send and receive money from friends and family right in Messages.

Apple Pay is even simpler than using your physical card, and safer too. Send and receive from across the table — or across the country. When you receive money it’s added to your Apple Pay Cash card that lives in the Wallet app.

He or she may have a profile you can read or a picture that is e-mailed to you.

For weeks, even months, you may chat back and forth with one another, forming a connection. But ultimately, it’s going to happen—your new-found “friend” is going to ask you for money.

The profiles were fake as well, carefully crafted to match your interests.

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