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MSRX UPI Desk

Check before you pay

Scam or safe?

Eight real situations. Decide, then see why.

  1. Situation 1 of 8

    You're selling a sofa online. The buyer says, “I'll pay the advance — just scan this QR I'm sending and enter your PIN to receive it.”

  2. Situation 2 of 8

    At a tea stall you scan the code on the counter. Your app shows “RAMESH KUMAR” — the stall owner's name — before you enter the PIN.

  3. Situation 3 of 8

    A request pops up in your UPI app: “Electricity Board — ₹1,850 — approve to avoid disconnection tonight.” You didn't start it.

  4. Situation 4 of 8

    A caller from “your bank” says your KYC expires today and asks for the 6-digit code that just arrived by SMS.

  5. Situation 5 of 8

    Your friend asks for ₹2,000 on WhatsApp from their usual number, then calls you so you hear their voice before you pay.

  6. Situation 6 of 8

    A text says: “Congratulations! ₹10,000 cashback credited. Click here and enter your UPI PIN to claim.”

  7. Situation 7 of 8

    A shop's QR sticker looks slightly raised, as if pasted over another one. You scan it and the app shows an individual's name, not the shop's.

  8. Situation 8 of 8

    You set up a monthly AutoPay mandate for your streaming subscription from inside the streaming app.