Payments scam guide
Payment fraud
Payment fraud covers deceptive payment requests, fake receipts, QR code tricks, collect requests, refund traps, and wallet or bank transfer manipulation. Fast reporting improves the chance of freezing funds.
Risk signal
UPI trace
Severity
high
Group
Payments
Common identifiers
Add identifiers that can be matched safely across reports, profiles, payments, and evidence without exposing unnecessary private data.
UPI ID
Use the exact upi id shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
QR code
Use the exact qr code shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
Phone number
Use the exact phone number shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
Bank reference
Use the exact bank reference shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
Evidence to preserve
Keep proof in original form where possible. Screenshots help, but transaction IDs, URLs, timestamps, and chat context make moderation stronger.
UTR or transaction ID
Capture utr or transaction id with date, time, sender, URL, or transaction context visible where possible.
Payment screenshot
Capture payment screenshot with date, time, sender, URL, or transaction context visible where possible.
QR image
Capture qr image with date, time, sender, URL, or transaction context visible where possible.
Chat proof
Capture chat proof with date, time, sender, URL, or transaction context visible where possible.
First response
These steps reduce further loss and keep your report useful for review, banking escalation, platform reporting, and official complaints.
Call 1930 quickly
Do this early: call 1930 quickly helps reduce repeat contact, preserve proof, and keep escalation options open.
Raise bank/payment app dispute
Do this early: raise bank/payment app dispute helps reduce repeat contact, preserve proof, and keep escalation options open.
Save UTR and recipient details
Do this early: save utr and recipient details helps reduce repeat contact, preserve proof, and keep escalation options open.
Urgent money loss
If money was recently transferred, call 1930 first and raise a bank or payment-app dispute. Speed matters for fund-freeze attempts.
Privacy boundary
Do not upload OTPs, passwords, full card numbers, full Aadhaar, private documents, or unrelated intimate media. Use masked, relevant evidence whenever possible.
Related categories
Similar fraud patterns
QR swap
UPI QR fraud
QR codes or UPI requests designed to make users pay when they think they are receiving money.
Mule account
Bank account mule alert
Bank accounts used to receive, route, or cash out scam proceeds.
Mandate abuse
Subscription and autopay scam
Hidden subscriptions, UPI mandates, trial traps, recurring charges, or cancellation fraud.