Digital payments in India, especially QR-based Scan & Pay, have made transactions faster and easier. But convenience comes with risks. Here’s how to keep your money safe while paying digitally.

1️⃣ Verify QR Codes Before Scanning

· Always check the merchant name or UPI ID before completing a transaction.

· Avoid scanning QR codes from unknown sources or suspicious emails.

· Fake QR codes can redirect payments to fraudsters.

2️⃣ Enable App & UPI Security Features

· Use UPI PIN, app passwords, and biometric authentication.

· Avoid saving PINs in your phone or sharing with anyone.

· Enable transaction alerts via SMS or app notifications.

3️⃣ Keep Your Apps Updated

· Update your banking and payment apps regularly.

· Updates patch security vulnerabilities that hackers could exploit.

· Use official app stores (Google Play Store or apple App Store) only.

4️⃣ Avoid Public Wi-Fi for Payments

· Never make financial transactions on public or unsecured networks.

· Use mobile data or a secure VPN when paying digitally.

· Public networks can be monitored by cybercriminals.

5️⃣ Regularly Monitor Your Transactions

· Check your bank statements and app history frequently.

· Immediately report unauthorized transactions to your bank or UPI provider.

· Prompt action can prevent financial loss.

✅ Takeaway

Digital payments are convenient and quick, but staying alert and following these tips can protect your money from fraudsters. Safe scanning is smart banking!

 

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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Kokila Chokkanathan

26/11/2025 11:19 AM