Payments scam guide
Subscription and autopay scam
Subscription scams hide recurring payments, misuse UPI autopay mandates, or create fake cancellation support flows that steal payment data.
Risk signal
Mandate abuse
Severity
medium
Group
Payments
Common identifiers
Add identifiers that can be matched safely across reports, profiles, payments, and evidence without exposing unnecessary private data.
Merchant name
Use the exact merchant name shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
Mandate ID
Use the exact mandate id shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
UPI ID
Use the exact upi id shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
Support URL
Use the exact support url 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.
Mandate approval
Capture mandate approval with date, time, sender, URL, or transaction context visible where possible.
Recurring debit
Capture recurring debit with date, time, sender, URL, or transaction context visible where possible.
Cancellation chat
Capture cancellation chat with date, time, sender, URL, or transaction context visible where possible.
Merchant page
Capture merchant page 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.
Revoke mandates
Do this early: revoke mandates helps reduce repeat contact, preserve proof, and keep escalation options open.
Dispute unauthorized charges
Do this early: dispute unauthorized charges helps reduce repeat contact, preserve proof, and keep escalation options open.
Use official cancellation flow
Do this early: use official cancellation flow 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
UPI trace
Payment fraud
Fake payment links, UPI handles, QR codes, collect requests, refunds, and transfer deception.
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.