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.