UPI Payment Tips: If you use UPI payment apps, don't ignore these safety tips..
UPI has made daily payments fast and easy. From paying at local shops to ordering food or sending money to friends, everything is now easily done with a mobile phone. This ease of use often leads to carelessness, and that's where the problems begin. A small mistake during a UPI transaction can result in financial loss. Therefore, if you also make payments through UPI apps, keep these points in mind.
Never share your UPI PIN.
Your UPI PIN is for you only. It is only needed when you are approving a payment from your phone. No bank official, shopkeeper, or customer care executive will ever ask you for it. If someone asks for your UPI PIN for any reason, it's a scam. Enter the PIN yourself and make sure no one else can see the screen while you do so.
Always keep your phone and UPI apps locked.
Most UPI apps allow users to lock the app using a PIN, fingerprint, or face unlock. This feature should always be enabled. It adds another layer of security if your phone is lost or stolen. Your phone should always have a screen lock. Leaving your phone unlocked, even for a short time, can be risky if someone else gains access to it.
Try to use only one UPI app.
Using more than one UPI app for the same bank account often leads to confusion. It becomes difficult to track payments, and the chances of accidentally approving something increase. Using a single UPI app keeps things clear and makes it easier to monitor transactions.
Do not click on unknown links.
Many UPI frauds start with links sent via SMS, WhatsApp, or email. These messages usually talk about refunds, cashback, rewards, or account-related issues. You should avoid clicking on unknown links. These links often lead to fake websites designed to steal personal or banking details. If a message seems suspicious or comes from an unknown sender, it's best to ignore and delete it.
Check payment requests carefully.
Always check UPI payment requests before approving them. Scammers sometimes send random requests, hoping that users will approve them without paying attention. Before approving anything, take a moment to check the sender's name and the amount.
Keep an eye on alerts
Banks send SMS or app notifications for every UPI transaction. Read these alerts. If you see a payment you don't recognize, report it immediately through your bank or UPI app.
If you also use a UPI app, be sure to keep the above points in mind.
Disclaimer: This content has been sourced and edited from Dainik Jagran. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.
