Beware While Accepting Payments via UPI: Rise in Fake Screenshot Frauds — Follow These Tips to Stay Safe

Digital payments through UPI have made transactions faster and more convenient, but they have also opened the door to a new wave of online scams. One of the most common tricks fraudsters use today is sending fake UPI payment confirmations to deceive sellers and service providers.

How the Scam Works:
Scammers pretend to have made a payment using UPI and show a fake screenshot as proof. Since the image appears genuine at first glance, many people hand over goods or services without checking if the payment has actually been received in their account.

Here are some simple but effective tips to avoid falling victim to such frauds:

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1. Verify Before You Deliver:
   Always check your UPI or bank account for confirmation before handing over products or services.
2. Use a Business UPI Account:
   Business accounts often send real-time SMS alerts, making it easier to spot fake payments.
3. Wait for Official Confirmation:
   Avoid rushing. Confirm the transaction via your UPI app or bank app rather than relying on what the buyer shows.
4. Link QR Codes to Bank Accounts:
   This ensures direct and traceable payments to your account.
5. Don’t Trust Screenshots Alone:
   Screenshots can be manipulated. Always cross-verify in your own app.
6. Maintain Payment Records:
   Keeping a digital or physical log of received payments helps identify inconsistencies.
7. Report Suspicious Activity Immediately:
   In case of fraud, report the incident to local police or the cyber crime unit without delay.

By staying alert and following these steps, users can continue to enjoy the convenience of UPI while keeping their money safe.

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