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Yes you are absolutely right. Almost all of them are cheaters and have no lady/girl involved in this. If at all even a lady on other side she knows how to lute money. Typically no test call- confirm that on the other end a gent getting ready to cheat you. If at all a lady present she may give a test call for a second and once you made the payment - she will not block you. You need to wait may be a day or two for her to respond to you. SHe will ask you more money. Don't think that she will show again. The test call she gave that's all for you.
However convincing it is please don't pay anything . Don't encourage the cheaters to grow. Don't even pay 100 Rs, as in our country with a good population even with 100 they can fool a lots of people.