Digital payments are fast and convenient, especially with platforms like UPI (Unified Payments Interface). But as more people use them, staying alert is key to avoiding fraud. The National Payments Corporation of India (NPCI), which manages UPI, recently shared five simple tips to help you keep your money safe.
Why It Matters
UPI has become a huge part of India’s digital payment system, handling over 18 billion transactions in June 2025 alone, worth more than ₹24 trillion. With over 500 million users, it's important that everyone knows how to protect themselves.
Here are NPCI’s top 5 safety tips:
- Check Before You Pay
Before sending money, always verify the name of the person or business on your screen. A quick double-check can prevent you from sending money to the wrong person or a fraudster.
- Use Trusted Apps and Websites
Stick to official and well-known payment apps. Avoid clicking on unknown links or downloading unfamiliar apps, as scammers often create fake platforms to steal your information.
- Keep Your Details Private
Never share your UPI PIN, OTP, or bank account information. Banks and government officials will never ask for these.
- Don’t Rush into Payments
Fraudsters may create urgency to trick you. If you get a sudden request to pay, take a moment to verify it before acting.
- Turn On Alerts and Stay Aware
Enable SMS and app notifications for all transactions. If something looks suspicious, report it immediately.
If You Suspect Fraud
Call the national cybercrime helpline at 1930 or report online at sancharsaathi.gov.in. Save any messages or screenshots to help with your complaint.
