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.
what it 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
The public tool does not validate bank accounts, query UPI IDs, process payments, or contact payment providers.
what it can’t tell you
- 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
- 1Never enter a UPI PIN to receive money.
- 2Check the wording inside your own payment app before approving anything.
- 3If money left your account, contact your bank/payment app and report through official cybercrime channels.
a simple way to check it
Share the payment request
Send the message, screenshot, UPI ID, QR request, or app instruction.
Payment direction is checked
Kaval looks for signs that you are actually sending money or approving access.
Scam script is identified
The answer maps the request to common refund, delivery, marketplace, or job-scam patterns.
Action is recommended
You get a clear stop, verify, report, or account-security step.
good to know
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.
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.
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.
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.