How to Use UPI in India
How to Use UPI in India: Complete Guide to Avoid UPI Fraud in 2026
UPI (Unified Payments Interface) has completely changed the way India makes digital payments. From buying tea at a roadside shop to paying school fees, UPI is now part of everyday life. But with this convenience comes a growing risk of UPI fraud in India is increasing every year.This guide will help you understand how UPI fraud happens and how you can use UPI safely with simple, practical security tips.How to Use UPI Safely in India
How to Use UPI in India– Avoid UPI Fraud & Online Payment Scams
Scammers are becoming smarter. They no longer need your phone or bank card — they only need your trust.
Common reasons why people fall into UPI scams:
Fear: Your account will be blocked
Urgency: Send OTP immediately.
Greed: You have won ₹10,000 cashback
Ignorance: Not knowing UPI rules
Remember this2.
No bank employee, police officer, or company will ever ask for your UPI PIN or OTP.
Most Common Types of UPI Fraud in India
1. Fake Customer Care Calls
Scammers pretend to be from Paytm, PhonePe, GPay, Amazon, or bank support and ask for OTP or UPI PIN.
Truth: Customer care will never ask for your UPI PIN.
2. Collect Request Scam
You receive a payment request and are told,
“Accept this to receive your refund or prize.”
But instead of receiving money, your account gets debited.
3. QR Code Fraud
Scammers send QR codes saying it’s for a refund or verification.
Scanning QR always means paying money, never receiving.
4. Screen Sharing Scam
You are asked to install AnyDesk, TeamViewer, or similar apps.
Once you share your screen, they steal your OTP and empty your bank account.How to Use UPI in India
5. Fake SMS & Links
Messages like:
“Your KYC is blocked – update now.”
“UPI reward waiting – click here.”
These links install malware.
Essential UPI Safety Tips for Indians
1. Never Share Your UPI PIN or OTP
No matter what anyone says — police, bank, RBI, company —
Never share your UPI PIN or OTP.
2. Always Check Before Approving Payment
Before entering UPI PIN:
Check amount
Check name
Check purpose
If anything feels suspicious, cancel immediately.How to Use UPI in India
3. Remember: QR Codes Are Only for Paying
You do not need to scan a QR to receive money.
To receive money, share only your UPI ID or phone number.
4. Do Not Install Screen Sharing Apps for Help
No bank or app will ask you to install AnyDesk, TeamViewer, etc.
5. Use App Lock and Phone Lock
Always enable:
Phone lock (PIN/Fingerprint/Face)
App lock for GPay, PhonePe, Paytm
This prevents misuse if your phone is lost.
6. Set Daily UPI Limit
Most UPI apps allow you to set daily transaction limits.
Keep it low like ₹5,000 – ₹10,000.
7. Avoid Clicking Unknown Links
Never click links received on WhatsApp, SMS, Telegram, or email regarding UPI.How to Use UPI in India
8. Use Official Ap
What To Do Immediately If You Are a Victim of UPI Fraud
If money is debited wrongly:
Step 1: Call Bank & App Helpline Immediately
Contact your bank and UPI app support. How to Use UPI in India
Step 2: Report to Cyber Crime Portal
Visit www.cybercrime.gov.in
Call 1930 (India Cyber Crime Helpline)
The faster you report, the higher the chance of getting your money back.How to Use UPI in India
Step 3: Change Your UPI PIN Immediately
ps Only
How to Identify Fake UPI Calls
Real Bank Scammer
Never asks for PIN Always asks for PIN
No urgency creates panic
Official emails only, WhatsApp calls
No screen sharing, Forces AnyDesk, How to Use UPI in India
Users in 2026
n India
Best Practices for UPI
Use a different PIN from the ATM
Keep your phone updated
Check the bank statement daily
Educate family members, especially elders
Never rush while making payments
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