With the growing popularity of UPI payments and QR code-based transactions in India, cybercriminals have found new ways to exploit unsuspecting users. QR code scams are increasingly becoming a major concern, and understanding how they work is essential to stay safe.
How QR Code Scams Work
Scammers use QR codes as a tool to steal money or sensitive information. Here are some common methods:
Fake QR Codes:
Fraudsters replace legitimate QR codes displayed at shops, restaurants, or public places with their own. When users scan the fake QR code, the payment goes directly to the scammer’s account instead of the intended recipient.
Tampered Receipts or Flyers:
Some scammers print fake QR codes on flyers, receipts, or posters claiming discounts or rewards. Users who scan these codes unknowingly transfer money to the attacker.
Phishing via QR Codes:
Scammers may send QR codes through WhatsApp, email, or social media claiming verification or refunds. Scanning the QR code can direct users to a fake UPI interface or malicious website, capturing sensitive credentials.
Red Flags to watch Out For
- QR codes that are loose, damaged, or look tampered with
- Promises of instant cashback or rewards for scanning
- QR codes sent via unknown contacts or online links
- Requests for personal information or UPI PIN
How to Protect Yourself
Verify the Merchant:
Always confirm the payee’s details before completing a UPI transaction. Trusted merchants usually display their name on the UPI app after scanning the QR code.
Use Trusted QR Codes:
Only scan QR codes provided by legitimate sources, like official stores, government offices, or verified businesses.
Avoid Sharing UPI PIN:
Never share your UPI PIN, OTP, or banking credentials with anyone, even if they claim to be officials or support staff.
Report Suspicious QR Codes:
If you encounter a suspicious QR code, report it to your bank or the local authorities immediately.
Regularly Monitor Transactions:
Check your bank or UPI app statements frequently to identify unauthorized transactions early.
Bottom Line
QR codes have made digital payments easier, but they also open doors for cyber fraud if users are not vigilant. Being cautious, verifying merchants, and avoiding sharing sensitive information are the best ways to stay safe.
Disclaimer:
The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.
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