In today’s digital era, we do everything from our mobile, whether we have to pay money to the vegetable vendor, share bills with friends or do online shopping. Now there is no need to carry cash, because UPI has made payments easy, fast and safe. But as easily as we are transferring money, the cases of UPI fraud are also increasing.

Many times people hastily click on such links or scan QR codes, due to which their bank account becomes empty. Cyber ​​fraudsters have become so clever that they pretend to be bank officials, app support team or government agents and get OTP or UPI PIN from people. In view of this danger, RBI has recently issued new guidelines, so that users can stay safe from such frauds. If you also use UPI daily, then you must know these smart tips. By adopting these you can remain 100% safe.

1. Stay away from unknown links or QR codes – Most of the frauds are happening through phishing links and fake QR codes. Scammers send you a link in the name of a refund, reward or cashback. As soon as you click on it or scan the QR code, your bank information reaches them. RBI has clearly said that if you want to get money, then you do not need to scan or click anything. No real company or bank will ask you to scan QR to send money.

2. Never tell your UPI PIN or OTP to anyone – This is the most common and dangerous mistake. Producers call and say that they are calling from bank or Paytm, PhonePe and want to verify your account, just tell OTP or PIN. In such a situation, keep in mind that UPI PIN is only for sending money, not for receiving money, no bank, app or company ever asks for OTP, PIN or password. If someone asks you to enter the PIN so that the money comes, then understand that the person in front is committing fraud.

3. Use only official UPI app – Nowadays, fake UPI apps are also available on Play Store and websites, which look like real ones. Such apps can steal your login details and bank data. Therefore, before downloading the app, check the name of the developer and install the app only from Google Play Store or Apple App Store. While installing, read the permissions that the app is asking for carefully. If any app is offering Instant Cashback or Double Money Offer, then it is almost certain that it is a fraud.

4. Before sending money, check the name of the receiver twice – Many times fraudsters use a name that sounds like a friend or brand. As soon as you send money to the wrong ID, they disappear immediately. Therefore, every time before doing a transaction, double check the name of the receiver and UPI ID. If the name on GPay, Paytm or PhonePe looks strange or is not recognized, cancel the transaction immediately.

5. Report fraud immediately – If you accidentally get a UPI fraud, instead of panicking, take immediate action. According to the new guidelines of RBI, the bank will now have to take reports of such cases within 24 hours. You call the customer care of your bank. Contact immediately on National Cyber ​​Helpline number 1930. Apart from this, register online complaint by visiting https://cybercrime.gov.in/.

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The Reserve Bank of India has taken a big step regarding digital payment. In fact, the Reserve Bank of India has issued new rules to make digital payment more secure and reliable on Thursday 25 September. Under these rules, online transactions will not be done only on SMS based OTP, but now customers will be able to pay with fingerprint, face recognition, password, pin or other biometric options. At the same time, these new rules will be implemented from 1 April 2026.

Now two factor authentication will be stronger

Currently, most banks and payment apps use only OTPs to confirm transactions. However, even after the new rules, the use of OTP will continue as before. But this will not be the only option of payment. Now under the new rules of the Reserve Bank of India, three categories will be valid for verification.

1. Any item near the user-The mobile, hardware token

2. The information that users know- Such as password, pin or nearby frame

3. Identification of user- Such as biometric, fingerprint, face recognition

Now every transaction will have unique verification

Regarding the new rules, the RBI has clearly stated that every payment will definitely have at least one such authentication factor which will be different and new for that transaction. This means that the old or repeated code will no longer work, which will reduce the possibility of fraud. At the same time, after these changes, banks and payment provides will now be able to do risk analysis for the safety of transactions. This will include the location of transaction, user behavior, device information and previous transactions. At the same time, safe platforms like extra verification and digital locker can be used on more danger payments.

Violation and compensation of rules

Under the new rules, if the customer’s money is lost in digital fraud due to not following the new rules from any financial institution and negligence, then the concerned institution will have to make complete compensation for that loss. Apart from this, these strict verification rules will also be implemented in card not present type foreign transactions from 1 October 2026. This step will be especially for transactions that are taken outside India.

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