Payment safety

UPI Payment Scam Checker

Use this when someone says you must scan a QR code, approve a collect request, or enter a UPI PIN to receive money.

Start with the item Read the safety guide

Paste the payment request or screenshot text3000 characters left

Do not paste full account numbers, card numbers, UPI PINs, OTPs, or transaction authentication codes.

Next stepNothing sends from this page

Review the draft. Then send.

Paste the exact item, open WhatsApp, and choose whether to send it. Kaval can review the context there and help with the next move.

Message preview

Paste the item on the left to create a WhatsApp draft.

Before you send

Remove OTPs, passwords, card numbers, UPI PINs, full account numbers, Aadhaar, and PAN.
Keep the suspicious text, link, claim, or payment instruction exactly as received.
Do not click, pay, install, share, or reply while you decide what to do.

What Kaval will review

Requests to enter UPI PIN when you are supposedly receiving money
QR codes sent for refunds, prizes, marketplace payments, courier fees, or job registration
Fake payment screenshots, small test-payment traps, and pressure to ship goods
Whether to stop, verify in the payment app, call the bank, or report cyber fraud

What this check looks for

Requests to enter UPI PIN when you are supposedly receiving money
QR codes sent for refunds, prizes, marketplace payments, courier fees, or job registration
Fake payment screenshots, small test-payment traps, and pressure to ship goods
Whether to stop, verify in the payment app, call the bank, or report cyber fraud

What the public page does not do

The public tool does not validate bank accounts, query UPI IDs, process payments, or contact payment providers.

It cannot inspect the QR image in the public text-only page.
It cannot reverse or recover payments.
It cannot confirm account ownership for a UPI ID.

Safer next steps

Never enter a UPI PIN to receive money.
Check the wording inside your own payment app before approving anything.
If money left your account, contact your bank/payment app and report through official cybercrime channels.

Questions people ask

Do I need UPI PIN to receive money?

No. UPI PIN authorizes money to leave your account. A request to enter PIN for receiving a refund or prize is a serious warning sign.

Can a QR code be a scam?

Yes. A QR code can lead you into sending money, approving a collect request, or accepting an autopay mandate. Treat QR codes from strangers as high risk.