Introduction
As India rapidly adopts digital payments and UPI, cases of online payment fraud have also increased. From phishing links to fake UPI requests, fraudsters are finding new ways to trick users.
Staying alert and following simple safety practices can help you avoid falling victim. Here are the top 5 tips to stay safe while making online payments.
1. Never Share Your UPI PIN or OTP 🔑
- Your UPI PIN and OTP are confidential — no bank or payment app will ever ask for them.
- Fraudsters often pretend to be customer care agents and trick people into revealing sensitive details.
- Golden Rule: If someone asks for your PIN/OTP, it’s a scam.
2. Verify Payment Links Carefully 🔗
- Always check if the payment link is from an official source.
- Avoid clicking links sent via SMS, WhatsApp, or email from unknown numbers.
- Prefer scanning official QR codes in trusted apps/websites.
3. Use Trusted Apps & Secure Networks 📱
- Stick to verified apps like Google Pay, PhonePe, Paytm, BHIM.
- Download only from official app stores (Play Store, App Store).
- Avoid making payments on public Wi-Fi networks to prevent data theft.
4. Enable Transaction Alerts 📩
- Keep SMS and app notifications ON for every transaction.
- This way, you’ll know instantly if any unauthorized payment occurs.
- Contact your bank immediately if you see suspicious activity.
5. Double-Check Before Approving Requests ✔️
- Fraudsters may send a “payment request” disguised as a refund.
- Always read the on-screen message:
- Are you paying money or receiving it?
- Approve only after confirming with the merchant.
Conclusion
Digital payments are fast and convenient, but safety is in your hands. By following these 5 simple tips, you can protect yourself from fraud and enjoy secure, hassle-free transactions.
Stay alert, stay safe — and remember, your money is as safe as your awareness.
