As digital payments continue to reshape financial transactions in India, the National Payments Corporation of India (NPCI) has released five crucial safety tips to help users safeguard their digital experiences. With millions of people relying on UPI, mobile wallets, and digital banking for daily transactions, staying informed and alert has never been more important.
Digital payments platforms offer speed, convenience, and reach – but they also require users to adopt responsible practices.
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Safe Digital Payments: Here’s what NPCI recommends:
- Always Verify Before You Pay: Before confirming a payment, double-check the recipient’s name displayed on the screen. Ensure you’re paying the correct person or merchant. Taking just a few extra seconds to verify details can prevent costly mistakes and fraud.
- Stick to Trusted Apps and Websites: Only use official and well-established payment platforms and banking websites. Avoid downloading unknown apps or clicking on unsolicited links shared via SMS, WhatsApp, or emails, especially from unknown contacts.
- Never Share PINs or OTPs: Your UPI PIN, OTP, and banking credentials are strictly personal. Do not share them—even with people claiming to be from your bank, the police, or government authorities. Legitimate institutions will never ask for such information.
- Avoid Urgency Scams: Fraudsters often create a false sense of urgency. If someone pressures you into making a payment or sharing personal details immediately, pause and assess. It’s always acceptable to verify first and proceed later.
- Enable Payment Alerts and Monitor Them: Activate SMS and app notifications for all financial transactions. Review each alert closely. If something seems off, contact your bank or payment app’s customer support without delay.
- Report Suspicious Activity: NPCI encourages all users to report suspicious behavior by calling the national cybercrime helpline at 1930 or visiting the Department of Telecommunication’s Sanchar Saathi portal. Preserve evidence such as messages, screenshots, and payment details—this can assist authorities in resolving issues effectively.
Creating a Safer Digital Payments Ecosystem
“With increased adoption of digital transactions, it’s vital for every user to be aware of basic security measures. Digital payments can be empowering, but they must be used responsibly,” an NPCI spokesperson said.
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By embracing a few smart habits, users can protect themselves from fraud and ensure their financial journeys remain secure. NPCI‘s initiative underscores the importance of awareness in building trust and confidence in India’s rapidly expanding digital economy.
