Keep these safety tips in mind while using UPI apps.
Technology Desk, New Delhi. UPI has made daily payments fast and easy. From making payments at local shops to ordering food or sending money to friends, everything is now easily done through mobile phones. Because of this ease, people often become careless. This is where the problems start. A small mistake during UPI transaction can lead to loss of money. In such a situation, if you also make payment through UPI apps, then keep these things in mind.
Never share your UPI PIN
Your UPI PIN is only for you. This is needed only when you are approving payment from your phone. No bank officer, shopkeeper or customer care executive will ever ask you for this. If someone asks for your UPI PIN for any reason, then it is 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 on. This adds another layer of security if your phone is lost or someone else takes it. Your phone should always have a screen lock. Leaving your phone unlocked, even for a short period of time, can be risky if someone else gets access to it.
Try to use the same 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 approving something by mistake increases. Using a single UPI app keeps things clean and makes it easier to keep track of 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 problems. Unknown links should be avoided. 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 is better to ignore it and delete it.
Check payment request carefully
UPI payment requests should always be checked before approving them. Scammers sometimes send random requests in the hope that users will approve them without looking carefully. Before approving anything, take a moment to check the sender's name and 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 to your bank or through the UPI app.
In such a situation, if you also use UPI app. So keep these things mentioned above in mind.
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