Online Financial Fraud
UPI Related Frauds
A UPI request, a QR code, or a screen-share app is used to take money from your account.
How Scam Works?
This chat is made up. It shows how the trick usually sounds. It is not a real message. Do not reply, and do not send money.
Demonstration
Phone call, then a UPI request
UPI help desk
Scam message
Your UPI is about to close. I have sent a request. Approve it and enter the PIN to receive ₹1 back. That will keep the account open.
What you might say
Why do I enter a PIN to receive money?
Scam message
It is only a test of ₹1. Do it now. Do not call your branch.
You do not enter your UPI PIN to receive money. A PIN means you are paying.
- 01
They give a reason to act fast
KYC, a failed payment, a cashback, or a refund. Sometimes a QR code at a shop has been swapped.
- 02
You are asked to approve or share the screen
Approving a collect request, scanning a refund QR, or sharing your screen lets them move money.
- 03
The PIN finishes the payment
Read the name on the UPI screen before you type anything. If the name is wrong, cancel it.