5 Important Tips to Avoid UPI Fraud Every Family Should Know

UPI safety: UPI has made our lives faster and easier, but this speed has made people so accustomed to clicking on every request and link without thinking. This carelessness opens the door for cyber fraudsters. Today, fraud isn't caused by system hacks, but by small, everyday mistakes. Whether it's approving a collect request, trusting a fake customer service, or hastily scanning a QR code. In such a situation, setting digital rules for families and pausing for a second before pressing "Pay" becomes the ultimate safeguard.

UPI safety: Nowadays, every payment, from the vegetable vendor in the morning to dinner, is made through UPI. Its speed is so fast that we only need to take out our phones, but this very speed has also led to carelessness. This system is secure, but we ourselves often take steps that open the door for cyber fraudsters.

What everyday mistakes facilitate fraud?

Fraud often begins not with hackers breaking into the system, but with our own small carelessness. If a stranger says they're sending money right now, we simply accept the request, and we click without even reading it. Sometimes we receive a link under the guise of a refund, or sometimes someone posing as customer care makes us download a screen-sharing app. The problem is that we make decisions on the phone as quickly as the payment, and fraudsters capitalize on this haste.

Shouldn't there be digital rules in homes?

Yes, there should be digital rules in homes, because today people of all ages are using mobile phones and UPI, but not everyone has the same digital understanding. When there are elderly people, children, or others in the family who are easily trusting, even a small mistake can result in significant financial loss. If there are clear rules in place at home, the likelihood of mistakes is greatly reduced. For example, all family members should understand that they should never approve a collect request, never share their OTP with anyone, never open links sent by strangers, and never install any new apps without first asking. Simple rules like these keep everyone safe and strengthen the entire family's digital security. Digital rules work just like a door lock. If everyone knows how to use them correctly, security automatically improves.

What everyday mistakes make fraud easier?

Many small everyday mistakes make UPI fraud easy. People often approve collect requests without reading them, thinking they'll receive money, but in reality, the money is debited from their account. Some people, in a hurry, open refund links or, under the influence of fake customer care calls, download screen-sharing apps. Many times, people scan QR codes without carefully examining them or make payments without looking at the name on the screen. These small oversights are easily exploited by fraudsters.

How to make UPI truly secure?

The best way is to keep your spending UPI account and savings account separate. Keep a low balance in the account for daily payments and set a transaction limit in the bank app. A strong lock on your phone and a separate PIN for the UPI app add another layer of security.

Is waiting a second before pressing 'Pay' enough?

In most cases, yes, you should carefully examine the QR code, match the name, and be immediately cautious if you notice any pressure to hurry in any message. When all members of the household adopt this habit, the fear of digital fraud is largely eliminated.

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