Cashless transactions have increased since demonetisation. Now most people transact directly from UPI itself. Whether to pay college fees or pay bills after eating food, UPI is being used everywhere. All from students to professionals are doing transactions through UPI. Because of this, cyber criminals also keep an eye on UPI. They wait for the smallest mistakes of the people. As soon as there is a mistake, they immediately vacate the account of the people. Therefore, it is important to take care of many things while using UPI.

Do not tell unknown person UPI PIN

Never tell your UPI PIN to any unknown person in phone calls or elsewhere. As soon as you do this, you give them direct access to your bank account. Also keep in mind that no bank officer will ever ask you the PIN number of UPI for any work. If someone is asking for PIN number by calling himself a bank or government official, then it should be careful.

Pay attention to pay request

Pay request option is available in UPI. Usually, after choosing UPI mode on e-commerce platforms, these companies send requests. After doing these, payment is made. If you get a request from an unknown person or site, then reject it.

Take care while scanning QR

Every QR code would not have been engaged to take payment. Many times fraudster fake QR code and implicate people in their web. Therefore, take care while scanning the QR code in public places. If you are having a little doubt anywhere, then pay other ways instead of QR code there.

Use official apps

Always use official apps for transactions or other works. Never download any app from the link from an unknown person in some greed. The app downloaded from such links can steal your important information and password.

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UPI and mobile banking are the era, but in the affair of this convenience, many times the basic things of security are ignored. If you have not activated these three important settings in your Google Pay, PhonePe or Bank apps, then only a small mistake can put your account at risk. Let us know which are those three settings and you can avoid big losses by turning on them.

App lock or biometric lock is required

Paying an extra lock (eg fingerprint or face unlock) is very important in payment apps instead of just PIN. For example, the app is available in Google Pay, PhonePe and Paytm, no one will be able to accidentally enter them when it is turned on. This is a small caution, but many times children or guest users accidentally transfer money, then have to regret it.

Keep every transaction monitoring with notification alerts

Go to the “Alert Settings” section with your bank or UPI app and turn on the alert on the balance change, debit notification etc. With this, information about every transaction will come on your phone immediately and any suspicious transaction will be caught immediately. If an unusual transaction is happening, you can immediately inform the bank or UPI service provider, which can avoid being framed.

Increase security from two-factor authentication (2fa) or biometric confirmation

The UPI app is now being given 2‑factor Authentication i.e. 2FA or biometric option, such as OTP, besides fingerprints. This is important because even if PIN or OTP is stolen, no fraud will be able to do transactions. For this, go to the app security settings and turn on the option coming under the name 2FA or Biometric Confirmation.

You can give almost dual security to your digital wallets by mixing these three extrasters. The NPCI report states that the UPI fraud has increased by 70% last year and in most cases, OTP/Phishing’s hand was found. In view of this increasing threat, banks and cyber police also call users to be careful.