Scam UPI scams: PIN, QR code and collect requests
One rule stops most UPI fraud: your PIN is only for sending money. Receiving needs no PIN, no QR scan and no OTP.
Test yourself: how many would you spot?Army Officer (OLX buyer)
Collect request: ₹15,000
Payment for your sofa
Enter UPI PIN to receive ₹15,000
SCAM
How it works
- A 'buyer' sends a collect request or a QR code and says it's a payment to you.
- You enter your PIN to 'receive' it.
- The money leaves your account instead.
Red flags
- Any request to enter a PIN, scan a QR or share an OTP to receive money
- A rushed buyer, often claiming to be in the army
- A screenshot saying money was 'sent by mistake'
Stay safe
- Check your balance in your own bank app, not on a screenshot
- Decline collect requests you don't recognise
- Never scan a QR code someone sends you to 'receive' money
Already happened? Act fast
- Call 1930National Cyber Crime Helpline. The sooner you call, the better the chance of stopping the money.
- cybercrime.gov.inFile an online complaint. Keep screenshots and transaction IDs.
- Call your bankUse the number on your card to block cards, UPI or the account.
- Report on ChakshuReport fraud calls, SMS and WhatsApp messages at sancharsaathi.gov.in.
Questions
Do I need a UPI PIN to receive money?
No. The UPI PIN is only for payments. Money you receive arrives without any PIN.
Someone says they sent money by mistake. What should I do?
Check your bank app. If the money really arrived, ask your bank to handle the reversal. Never send it to a number the stranger gives you.