Checks whether the flow sends or receives money
If a message asks you to scan a QR code, approve a collect request, or enter a UPI PIN to receive money, it is a major warning sign. Kaval explains the difference in plain language.
Payment safety
UPI Payment Scam Checker
UPI scams often depend on one confusing moment: someone is told to enter a PIN to receive money. Kaval checks the payment pattern before money leaves the account.
Coverage
What Kaval can help check
- UPI collect requests asking you to approve incoming money
- QR codes sent for refunds, prizes, or receiving payment
- Fake payment screenshots and pressure to ship goods
- Small test-payment traps and fake delivery fees
- Remote-access or APK install requests before payment
Covers refund, courier, job, and marketplace scripts
Payment scams appear in many forms: fake refunds, parcel fees, rental deposits, job registration, investment tips, and buyer-seller marketplace chats.
Focuses on irreversible action
Before any PIN, QR, or app install step, the answer should make the next move obvious: stop, verify through the official channel, or report.
Workflow
How the check works
- 01
Share the payment request
Send the message, screenshot, UPI ID, QR request, or app instruction.
- 02
Payment direction is checked
Kaval looks for signs that you are actually sending money or approving access.
- 03
Scam script is identified
The answer maps the request to common refund, delivery, marketplace, or job-scam patterns.
- 04
Action is recommended
You get a clear stop, verify, report, or account-security step.
Answers
Common questions
Do I need to enter UPI PIN to receive money?
No. UPI PIN authorizes money to leave your account. A request to enter PIN to receive money is a serious warning sign.
Can a QR code be used to steal money?
A QR code can direct you into a payment flow. Do not scan a QR code sent by a stranger to receive money or claim a refund.
What should I do if I approved a fake UPI request?
Contact your bank or payment app immediately, preserve screenshots and transaction IDs, and report cyber fraud through the official route if money was lost.
Free checks
Try this as a Kaval tool
Guides