How to remove “You have 48 hours left to enter your payment” virus

If your computer is locked, and you are seeing a “You have 48 hours left to enter your payment” notification from Spamhaus , then your computer is infected with a piece of malware known as Trojan Urausy.

The “You have 48 hours left to enter your payment” virus is distributed through several means. Malicious websites, or legitimate websites that have been compromised, may drop this trojan onto a compromised computer. This drive-by-download often happens surreptitiously. Another method used to propagate this type of malware is spam email containing infected attachments or links to malicious websites. The threat may also be downloaded manually by tricking the user into thinking they are installing a useful piece of software.
The “You have 48 hours left to enter your payment” virus is also prevalent on peer-to-peer file sharing websites and is often packaged with pirated or illegally acquired software.

Once installed on your computer, the “You have 48 hours left to enter your payment” MoneyPak virus will display a bogus notification that pretends to be from the Spamhaus XBL Advisory, and states that your computer has been blocked due to it being involved with the distribution of pornographic material, SPAM and copyrighted content.
The “You have 48 hours left to enter your payment” virus will lock you out of your computer and applications, so whenever you’ll try to log on into your Windows operating system or Safe Mode with Networking, it will display instead a lock screen asking you to pay a non-existing fine of $400 in the form of a MoneyPak code.
Furthermore, to make this alert seem more authentic, this virus also has the ability to access your installed webcam, so that the bogus “You have 48 hours left to enter your payment” notification shows what is happening in the room.

The “You have 48 hours left to enter your payment” virus locks the computer and, depending on the user’s current location, displays a localized webpage that covers the entire desktop of the infected computer and demands payment for the supposed possession of illicit material.
[Image: You have 48 hours left to enter your payment virus]
Cyber criminals often updated the design of this lock screen, however you should always keep in mind that Spamhaus will never lock down your computer or monitor your online activities.
The message displayed by the threat can be localized depending on the user’s location, with text written in the appropriate language.

The Spamhaus Project
XBL Advisory
Ref: XBL198972
IP address: xx.xx.xx.xx
Tracking time: 1 w 10 h 03 m
Responsible agent: David C. Krehnke
Address: 18 Avenue Louis Casai CH-1209 Geneva Switzerland

You have 48 hours left to enter your payment.

You have lost control over your computer. Your system and all your files has been blocked and encrypted because you were spreading the Malware (viruses, trojans, worms).
You are breaking numerous International and USA laws.
Actions made by your computer backed up under United States law USA Patriot ACT
What exactly is The Patriot Act?
The Patriot Act is short for The Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001.
We have the right backed by law:
Sec. 201. Authority to intercept wire, oral, and electronic communications relating to terrorism.
Sec. 202. Authority to intercept wire, oral, and electronic communications relating to computer fraud and abuse offenses.
Sec. 209. Seizure of voice-mail messages pursuant to warrants.
Sec. 217. Interception of computer trespasser communications.
With the support of the federal Bureau investigation department on cybercrime and the Supreme court of the United States of America. We have the legal right to scan and intercept any information going in and out of your computers.

You IP address (xx.xx.xx.xx) was identified and isolated by our organization in connection with a complaint to the involvement of distributed denial of service (DDoS) attack such organizations: NASDAQ and BATSS stock exchange markets and WIKILEAKS.ORG website. Such attacks caused $15 billions in damage. In order to isolate this infected files we have blocked your access to the outside world and your IP address was listed in our XBL Block List. You can not use the internet or any of your programs.

You have a chance to settle this issue right now before we contact the proper authorities. Within 48 hours, you can pay a fine of $ 300. All your files will be decrypted, and access to the computer will be granted, a claim for compensation from affected from affected companies will be removed and your IP (xx.xx.xx.xx) address will be restored to good standings with XBL Block List.

If you don’t pay a penalty within the next 48 hours, local authorities and secret service will be contacted, and most likely it will result in your arrest. You can and will be prosecuted to the fullest extent of the law in order to recover our losses. Do not take a chance to be convicted as a felon.

Our spamhaus agent has conducted a full check of your system and found following violations:

• You are a distributor of pornography and porno materials, regularly watch porno sites with child pornography and zoophilia.
• You possess unlicensed software and pirate audio and video records.

The “You have 48 hours left to enter your payment” lock screen is a scam, and you should ignore any alerts that this malicious software might generate.
Under no circumstance should you send any Ukash code to these cyber criminals, and if you have, you can  should request a refund, stating that you are the victim of a computer virus and scam.

“You have 48 hours left to enter your payment” lock screen – Virus Removal Guide

STEP 1: Remove “You have 48 hours left to enter your payment” lock screen from your computer

“You have 48 hours left to enter your payment” virus has modified your Windows registry and added its malicious files to run at start-up, so whenever you’re trying to boot your computer it will launch instead its bogus notification.To remove these malicious changes, we can use any of the below methods :

Method 1: Start your computer in Safe Mode with Networking and scan for malware

Some variants of “You have 48 hours left to enter your payment” virus will allow the users to start the infected computer in Safe Mode with Networking without displaying the bogus lock screen. In this first method, we will try to start the computer in Safe Mode with Networking and then scan for malware to remove the malicious files.

  1. Remove all floppy disks, CDs, and DVDs from your computer, and then restart your computer.
  2. Press and hold the F8 key as your computer restarts.Please keep in mind that you need to press the F8 key before the Windows start-up logo appears.
    Note: With some computers, if you press and hold a key as the computer is booting you will get a stuck key message. If this occurs, instead of pressing and holding the “F8 key”, tap the “F8 key” continuously until you get the Advanced Boot Options screen.
  3. On the Advanced Boot Options screen, use the arrow keys to highlight Safe Mode with Networking , and then press ENTER.
    [Image: Safe Mode with Networking]
  4. If your computer has started in Safe Mode with Networking, you’ll need to perform a system scan (as seen on STEP 2) with Malwarebytes Anti-Malware and HitmanPro to remove the malicious files from your machine.

IF the “You have 48 hours left to enter your payment” virus didn’t allow you to start the computer in Safe Mode with Networking,you’ll need to follow Method 2 to get rid of its lock screen.


Method 2: Restore Windows to a previous state using System Restore

System Restore can return your computer system files and programs to a time when everything was working fine, so we will try to use this Windows feature to get rid of “You have 48 hours left to enter your payment”  lock screen.

  1. Restart your computer, and then press and hold F8 during the initial startup to start your computer in safe mode with a Command prompt.
    Note: With some computers, if you press and hold a key as the computer is booting you will get a stuck key message. If this occurs, instead of pressing and holding the “F8 key”, tap the “F8 key” continuously until you get the Advanced Boot Options screen.
  2. Use the arrow keys to select the Safe mode with a Command prompt option.
    Enter Safe Mode with Command Prompt
  3. At the command prompt, type cd restore, and then press ENTER.
    Next,we will type rstrui.exe , and then press ENTER.Alternatively, if you are using Windows Vista, 7 and 8, you can just type : C:\windows\system32\rstrui.exe , and press ENTER.
    If you are using Windows XP, you will need to type C:\windows\system32\restore\rstrui.exe, and then press ENTER.
    System Restore commands
  4. The System Restore utility will start, and you’ll need to select a restore point previous to this infection.
    Restore points in Windows 7
  5. After System Restore has completed its task, you should be able to boot in Windows normal mode, and perform a system scan (as seen on STEP 2) with Malwarebytes Anti-Malware and HitmanPro to remove the malicious files from your machine.

IF the “You have 48 hours left to enter your payment”  virus didn’t allow you to restore your computer to a previous point, you’ll need to follow Method 3 to get rid of its screen lock.


Method 3: Remove “You have 48 hours left to enter your payment” virus with HitmanPro Kickstart

IF you couldn’t boot into Safe Mode with Command Prompt or didn’t have a System Restore point on your machine, we can use HitmanPro Kickstart to bypass this infection, and access your computer to scan it for malware.

  1. We will need to create a HitmanPro Kickstart USB flash drive,so while you are using a “clean” (non-infected) computer, download HitmanPro from the below link.
    HITMANPRO DOWNLOAD LINK (This link will open a download page in a new window from where you can download HitmanPro)
  2. Insert your USB flash drive into your computer and follow the instructions from the below video:
  3. After you have create the HitmanPro Kickstart USB flash drive, you can insert this USB drive into the infected machine and start your computer.
  4. Once the computer starts, repeatedly tap the F11 key (on some machines its F10 or F2),which should bring up the Boot Menu, from there you can select to boot from your USB.
    Next,you’ll need to perform a system scan with HitmanPro as see in the below video:
  5. After HitmanPro Kickstart has completed its task,you should be able to boot in Windows normal mode,from there you’ll need to perform a system scan (as seen on STEP 2) with Malwarebytes Anti-Malware and HitmanPro to remove the malicious files from your machine.

STEP 2: Remove “You have 48 hours left to enter your payment” malicious files from your computer

Run a computer scan with Malwarebytes Anti-Malware Free

  1. You can download Malwarebytes Anti-Malware Free from the below link,then double click on it to install this program.
    MALWAREBYTES ANTI-MALWARE DOWNLOAD LINK(This link will open a download page in a new window from where you can download Malwarebytes Anti-Malware Free)
  2. When the installation begins, keep following the prompts in order to continue with the setup process.
    DO NOT make any changes to default settings and when the program has finished installing, make sure you leave both the Update Malwarebytes’ Anti-Malware and Launch Malwarebytes’ Anti-Malware checked,then click on the Finish button.
    [Image: Malwarebytes Anti-Malware final installation screen]
  3. On the Scanner tab,select Perform quick scan and then click on the Scan button to start scanning your computer.
    [Image: Malwarebytes Anti-Malware Quick Scan]
  4. Malwarebytes’ Anti-Malware will now start scanning your computer for “You have 48 hours left to enter your payment” virus as shown below.
    [Image: Malwarebytes Anti-Malware scanning for
  5. When the Malwarebytes scan will be completed,click on Show Result.
    [Image: Malwarebytes Anti-Malware scan results]
  6. You will now be presented with a screen showing you the malware infections that Malwarebytes’ Anti-Malware has detected.Please note that the infections found may be different than what is shown in the image.Make sure that everything is Checked (ticked) and click on the Remove Selected button.
    [Image:Malwarebytes removing virus]
  7. After your computer will restart in Normal mode, open Malwarebytes Anti-Malware and perform a Full System scan to verify that there are no remaining threats

Run a computer scan with HitmanPro

  1. Download HitmanPro from the below link,then double click on it to start this program.
    HITMANPRO DOWNLOAD LINK (This link will open a new web page from where you can download HitmanPro)
    IF you are experiencing problems while trying to start HitmanPro, you can use the Force Breach mode.To start HitmanPro in Force Breach mode, hold down the left CTRL-key when you start HitmanPro and all non-essential processes are terminated, including the malware process. (How to start HitmanPro in Force Breach mode – Video)
  2. HitmanPro will start and you’ll need to follow the prompts (by clicking on the Next button) to start a system scan with this program.
    HitmanPro scanner
    HitmanPro installation
  3. HitmanPro will start scanning your computer for “You have 48 hours left to enter your payment”  malicious files as seen in the image below.
    HitmanPro scans after
  4. Once the scan is complete,you’ll see a screen which will display all the infected files that this utility has detected, and you’ll need to click on Next to remove these malicious files.
    HitmanPro scan results
  5. Click Activate free license to start the free 30 days trial and remove all the malicious files from your computer.
    HitmanPro 30 days activation button

If you are still experiencing problems while trying to remove “You have 48 hours left to enter your payment”  virus from your machine, please start a new thread in our Malware Removal Assistance forum.

10 Rules to Avoid Online Scams

Here are 10 practical safety rules to help you avoid malware, online shopping scams, crypto scams, and other online fraud. Each tip includes a quick “if you already got hit” action.

  1. Stop and verify before you click, log in, download, or pay.

    warning sign

    Most scams win by creating urgency. Verify using a trusted method: type the website address yourself, use the official app, or call a known number (not the one in the message).

    If you already clicked: close the page, do not enter passwords, and run a malware scan.

  2. Keep your operating system, browser, and apps updated.

    updates guide

    Updates patch security holes used by malware and malicious ads. Turn on automatic updates where possible.

    If you saw a scary “update now” pop-up: close it and update only through your device settings or the official app store.

  3. Use layered protection: antivirus plus an ad blocker.

    shield guide

    Antivirus helps block malware. An ad blocker reduces scam redirects, phishing pages, and malvertising.

    If your browser is acting weird: remove unknown extensions, reset the browser, then run a full scan.

  4. Install apps, software, and extensions only from official sources.

    install guide

    Avoid cracked software, “keygens,” and random downloads. During installs, choose Custom/Advanced and decline bundled offers you do not recognize.

    If you already installed something suspicious: uninstall it, restart, and scan again.

  5. Treat links and attachments as untrusted by default.

    cursor sign

    Phishing often impersonates delivery services, banks, and popular brands. If it is unexpected, do not open attachments or log in through the message.

    If you entered credentials: change the password immediately and enable 2FA.

  6. Shop safely: research the store, then pay with protection.

    trojan horse

    Be cautious with brand-new stores, “closing sale” stories, and prices that make no sense. Prefer credit cards or PayPal for dispute options. Avoid wire transfers, gift cards, and crypto payments.

    If you already paid: contact your card issuer or PayPal quickly to dispute the transaction.

  7. Crypto rule: never pay a “fee” to withdraw or recover money.

    lock sign

    Common patterns include fake profits, then “tax,” “gas,” or “verification” fees. Another is a “recovery agent” who demands upfront crypto.

    If you already sent crypto: stop paying, save evidence (wallet addresses, TXIDs, chats), and report the scam to the platform used.

  8. Secure your accounts with unique passwords and 2FA (start with email).

    lock sign

    Use a password manager and unique passwords for every account. Enable 2FA using an authenticator app when possible.

    If you suspect an account takeover: change passwords, sign out of all devices, and review recent logins and recovery settings.

  9. Back up important files and keep one backup offline.

    backup sign

    Backups protect you from ransomware and device failure. Keep at least one backup on an external drive that is not always connected.

    If you suspect infection: do not connect backup drives until the system is clean.

  10. If you think you are a victim: stop losses, document evidence, and escalate fast.

    warning sign

    Move quickly. Speed matters for disputes, account recovery, and limiting damage.

    • Stop payments and contact: do not send more money or respond to the scammer.
    • Call your bank or card issuer: block transactions, replace the card if needed, and start a dispute or chargeback.
    • Secure your email first: change the email password, enable 2FA, and remove unfamiliar recovery options.
    • Secure other accounts: change passwords, enable 2FA, and log out of all sessions.
    • Scan your device: remove suspicious apps or extensions, then run a full malware scan.
    • Save evidence: screenshots, emails, order pages, tracking pages, wallet addresses, TXIDs, and chat logs.
    • Report it: to the payment provider, marketplace, social platform, exchange, or wallet service involved.

These rules are intentionally simple. Most online losses happen when decisions are rushed. Slow down, verify independently, and use payment methods and account controls that give you recourse.

3 thoughts on “How to remove “You have 48 hours left to enter your payment” virus”

  1. Thank you for the suggestion. I first had the Justice Dept virus. In safe mode, I used Malwarebytes which found and removed the virus files, however, all my desktop icons had changed to be Explorer (except the app icons). If I opened one of these, I got the 48 hour message instead of the Justice Dept message. In Safe Mode, I used hitman pro 64-bt, but it did not find any threats. I tried Malwarebytes again and it found and deleted another threat. However, now ALL the files on my PC appear to have .html added to their name so that opening it directs me to the 48 Hour message page. The .html ext only shows up under File Properties. So I cannot simply edit the file extension in Windows Explorer. Any thoughts on how to repair every non-exe file, e.g. mostly .doc, .xls, .pdf. .jpg, etc. Thanks

    • Hello CER,
      Unfortunately, at this time there is no decryptor for the files that have been encrypted by this malware. This means that you will need to restore from a backup or attempt to restore from a previous version using Windows.
      To restore from a previous version when there is no backup available, please rename the file to its original filename. Then right-click on it and select Properties. When the Properties window opens, click on the Previous Versions tab. You will now be shown a screen screen that lists any previous versions you may have of this file. If you find any, backup the existing encrypted file and then restore the previous version. Windows will then restore the older file and overwrite the encrypted one.

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