Payments scam guide
UPI QR fraud
UPI QR fraud uses tampered QR codes, fake receiving screens, collect requests, and social-engineered payment flows. Victims are often told to scan a code, enter UPI PIN, or approve a collect request to receive money.
Risk signal
QR swap
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.
Payment app
Use the exact payment app 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.
QR screenshot
Capture qr screenshot with date, time, sender, URL, or transaction context visible where possible.
Collect request
Capture collect request with date, time, sender, URL, or transaction context visible where possible.
UPI transaction ID
Capture upi transaction id with date, time, sender, URL, or transaction context visible where possible.
Chat context
Capture chat context 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.
Do not enter UPI PIN to receive money
Do this early: do not enter upi pin to receive money helps reduce repeat contact, preserve proof, and keep escalation options open.
Report transaction immediately
Do this early: report transaction immediately helps reduce repeat contact, preserve proof, and keep escalation options open.
Block the payer/requester
Do this early: block the payer/requester 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.
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.