UPI makes payments instant — which also makes fraud instant. Almost every UPI scam relies on one of these tricks.

1. “Collect request” disguised as receiving money. Rule: you never enter your UPI PIN to receive money. PIN = money leaving.
2. QR code to “receive” payment. Scanning a QR code is for paying, not receiving.
3. Fake customer-care numbers found through search results or social media. Use only the number in the official app.
4. Screen-sharing apps (AnyDesk, TeamViewer, “support” apps). Never install one at a caller’s request.
5. “Wrong transfer, please return” messages with a fake SMS. Check your actual bank balance in the app.
6. Marketplace buyers who “pay extra” and ask for a refund of the difference.
7. KYC update / electricity disconnection messages with a link or number.
8. Fake payment screenshots — always confirm the money arrived in your own app.

If it happens

Call the national cyber-crime helpline 1930 immediately and report at cybercrime.gov.in, then inform your bank. Speed matters — funds can sometimes be frozen.