Unified Payments Interface (UPI) has revolutionized the way India transacts — enabling instant, 24x7, secure payments directly from smartphones. In 2024 alone, UPI processed over 100 billion transactions, reflecting its growing dominance in digital payments.
However, with its soaring popularity comes a dark side — a surge in UPI-based scams. From fake customer care numbers to phishing links and screen-sharing frauds, cybercriminals are constantly innovating new ways to exploit users.
Let’s look at how these scams operate — and more importantly, how you can protect yourself.
🚨 Common UPI Scams to Watch Out For
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Phishing Links & Fake Payment Requests
Fraudsters send links disguised as legitimate apps or payment pages to steal your login credentials or initiate fraudulent transactions. -
Fake Customer Support Numbers on Google
Scammers post fake helpline numbers online. When you call, they ask for sensitive info or trick you into installing remote access apps. -
QR Code Scams
You’re asked to scan a QR code to “receive” money, but scanning actually approves a payment from your account. -
Screen Sharing & Remote Access
Through apps like AnyDesk or TeamViewer, scammers get full control of your device, including your UPI apps. -
Job & Cashback Scams
Fake job offers or cashback messages often lead to fraudulent links that install malware or demand UPI payments as “processing fees”.
✅ How to Stay Safe from UPI Frauds
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Never Share Your UPI PIN
No bank or app will ever ask for your PIN. Sharing it gives full control to fraudsters. -
Avoid Clicking on Unverified Links
Be cautious of SMS, WhatsApp, or email links. Always use the official app or website. -
Don’t Scan Unknown QR Codes
QR codes are only for sending, not receiving money. Scanning can authorize unintended transactions. -
Search Only Verified Sources
Use official websites or app listings to find customer care numbers — not random Google results. -
Enable App Lock & SMS Alerts
Use device/app locks and keep notifications on to monitor suspicious activity. -
Report Immediately
If you suspect fraud, call 1930 or report on the Cyber Crime Portal (cybercrime.gov.in) without delay.
🛡️ Extra Tips
- Regularly update your UPI apps.
- Avoid saving UPI PINs or sensitive info in notes or emails.
- Educate elderly family members who are new to digital payments.
📈 Final Thoughts
UPI has empowered millions with fast, frictionless transactions — but that same convenience attracts scammers. Staying alert, following safe practices, and spreading awareness is the best defense against rising digital frauds.
With just a bit of caution, you can continue enjoying the perks of UPI — without falling prey to scams.