Here’s How You Can Make Your UPI Payments Safer

With digital transactions becoming a “normal” in our day to day life and Unified Payments Interface (UPI) being an integral part of it we need to ensure that our digital exchanges are safe and secure.


The expansion of UPI services and its integration with various mobile wallets has bought money transfer, utility bill payment, mobile and DTH recharges, movie ticket bookings etc at a distance of a click. With your bank accounts directly involved in UPI transactions, it is required that you make sure vulnerabilities are kept at bay.

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Keeping that in mind here we bring you some tips and techniques to make your UPI payments safer and answer some of the common queries in regards to UPI that many users have.

What When You Have Lost Your Phone?

Since most of the UPI transactions are done from mobile-based apps what can a user do if he/she has lost (or theft) smartphone? The National Payments Corporation of India (NPCI) which manages UPI payments in the country provides an answer to that.


NPCI advises that the account linked to any UPI App existing on the phone should be blocked instantly in such cases. To do this one can contact the respective bank’s customer support number which are available 24 x7.

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No Pin For Receiving Money

There is a common belief among many UPI users that the UPI Pin is required to perform all the tasks in relation to the app. This is absolutely wrong. The UPI PIN which is to be kept private and not shared is required for only two purposes checking balance and receiving money.


UPI PIN is never required to receive money, which can be done through UPI ID and QR code scanning which you can show the sender to receive the payment. The UPI PIN is only required when the money is sent to another UPI account. NPCI warns the users about the same and asks them to be vigilant and careful in this regard.

Always Keep A Track

Another useful yet neglected advice that NPCI tenders in regards to UPI payments is the tracking of notifications and messages. NPCI says that users must always keep a track of all of the bank’s SMS / emails and other approved channels of communication in relation to their transactions.

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The guidelines also advise the users to note a difference between the OTP, UPI PIN and Password so that they don’t get confused and pass on these crucial information to other people. Such informations are never asked by wallets and bank.

Input from News India

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