After the pandemic and the norm to maintain social distancing, digital transactions have become one of the preferred payment modes worldwide. People avoid keeping cash or using their cards as it may cause virus contamination. Moreover, lucrative discounts that UPI payment apps offer are another reason behind widespread adaptability and their ever-increasing popularity. However, like the two sides of a coin, there are cases of fraud too that raise questions about app safety.
If you browse the internet, you will find multiple such incidences like payment failure, flawed transactions, and accounts getting washed off during a digital payment. But it doesn’t mean you should avoid making digital transactions and continue with cash payments. All you need to do is stay informed about the procedure and take adequate security measures. Moreover, keep a few things in mind while choosing the UPI transaction app or making an online transaction.
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Tips to ensure safety during UPI payments
UPI is a safe payment option as every user has to verify their identity at each step with an OTP. Moreover, when you pay a vendor, his details will flash on your screen, informing you about the receiver. However, even though the apps do everything possible to make digital payment a blissful experience, some frauds happen due to the consumer’s carelessness. Here are some expert tips which can help you select safer and more convenient online payments.
Choice of App
Be careful while selecting the UPI payment apps. Explore multiple options and take a virtual tour of each of these apps before deciding which app will prove fruitful. In addition, you can refer to the reviews left by other users and read their feedback in detail to get a better idea about app efficiency and the safety it offers. If you find bad ratings on different platforms, consider it a red flag and avoid using that app for online payment.
Attention to Details
It is crucial to pay attention to every detail at every step during an online transaction. Register yourself carefully, putting correct information and saving it on the app. Moving on, check the vendor’s details to whom you want to pay, and double-check to avoid making incorrect payments. Additionally, stay informed about the entire payment process that the app follows. You should know the fundamentals like you don’t have to scan any code while receiving money and that you should not scan the QR codes that you receive from any random source.
Don’t share passwords
You would only have to register yourself once on the UPI transaction app, and there is no need to put the details every time you want to make a payment. However, you will still receive OTP to verify the transaction. Ensure you do not share the OTP with anyone and keep your password and other confidential information hidden from the intruders. Stay vigilant if you want to enjoy the perks and never worry about frauds associated with digital payment methods.
Ensure Device Safety
Another factor that you should consider is securing your device. Put an anti-virus in your phone to alert you against any suspicious activity. If you have chosen the best app, it already has the app safety features, and when you also secure your device, you can rest assured that there is no scope of intruder attack of any kind.
It is fair to say that the best UPI payment apps in India are safe and reliable transaction platforms, provided the consumer stays more vigilant. The prime focus should always be on choosing the best app that offers fruitful features for quick and safe transactions. Other than this, the user should pay attention to little details that can go wrong and result in disappointing experiences. There is no better mode than UPI apps, and every consumer should resort to it at the earliest.