What Is UPI Lite, and Should You Use It?
You pay ₹20 for chai and type your UPI PIN. Then ₹40 for an auto, and the PIN again. By evening your bank statement is a long list of tiny payments. UPI Lite was made for exactly these. What is …
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Make a Parent's Phone Safe for Payments
Your mother pays for vegetables by phone now. She is quietly proud of it. She is also the person a fraudster wants to call tonight. You cannot sit beside her forever. So the aim is different. Set the phone up …
The Monthly Deduction You Forgot You Agreed To
A small amount leaves your account and you cannot place it. It is not a fraud, and that is what makes it annoying. It is something you agreed to on a Sunday afternoon eighteen months ago. It has been collecting …
Can Scanning a QR Code Take Money From You?
Every shop counter in India now has a QR code taped to it. We scan them without a second thought. That is exactly why people worry about them. The worry deserves a proper answer. The truth is reassuring, and the …
Someone Is Requesting Money, Not Sending It
A notification says there is money for you. All you have to do is approve it. You are halfway through your day, so you tap. Then the app asks for your PIN, and the money goes the other way. It …
Where You Should Never Type Your UPI PIN
Someone on a call is being very patient with you. They just need you to open your UPI app and enter your PIN. Then the refund can finally go through. So many UPI frauds in India end at that exact …
Set Up UPI So a Lost Phone Costs You Nothing
Your phone slips out of your pocket in an auto. You are not thinking about the handset. You are thinking about everything the handset can pay for. That fear deserves twenty minutes of your time, once. Set this up today …
What Actually Happens When You Pay by UPI?
You hold your phone to a QR code at the vegetable stall. Four seconds later it is done. Most of us have done this a thousand times. We have never once asked what actually happened. That is fine until a …
Why You Never Share An OTP, Not Even With Your Bank
The call comes when you're busy. Someone claiming to be your bank, a courier company, or "customer care". There's a problem with your account, or your parcel, or a payment. You need to act right now. Just share the OTP, …