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Fake UPI Payment: How to Identify Fake UPI Payments?

By Mayashree Acharya

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Updated on: Aug 12th, 2025

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4 min read

Fake Unified Payments Interface (UPI) payments remain a concern for individuals and businesses as they lose huge amounts. Fraudsters are constantly scamming people to make fake UPI payment via fake app screens, QR codes or misleading payment links.

This article will provide a complete guide on identifying fake UPI payments and verifying genuine UPI payments so your transactions are secured.

What is a Fake UPI Payment?

fake UPI payment is a form of fake transaction in which scammers trick recipients into thinking that a payment has been made successfully. The scam can be done in several ways, including sending false UPI payment screenshot confirmations or employing apps with fake UPI payment interfaces. These scams often target those who rely on quick payments, making it easy for fraudsters to take advantage of the situation.

Scammers deceive individuals and businesses into believing that transactions are authentic. To protect yourself, it is essential to remain vigilant and verify any payment claims. Always check your UPI transaction history and confirm with the sender before providing any goods or services. 

Common UPI Scams in India

Here are the different types of UPI scams prevalent in India:

Fake Payment Screenshot

Scammers use false screenshots of payment confirmations to make the recipient believe they have paid the money. They use an app or editing software to make a fake transaction screenshot instead of sending real money. They share this fake screenshot with businesses or shops and receive the goods or services without actually paying for it.

Money Muling

Scammers lure innocent people into transferring stolen money from a UPI account. It makes victims unwilling accomplices to the scheme, as they collaborate with the scammers' fraud.

Emergency Scams

Scammers create haste and pressure people into sending money for made-up emergencies or charitable causes.  It leaves no time for the victims to confirm the requests' legitimacy.

SIM Swap Fraud

In SIM-swap fraud, criminals co-opt a victim's phone number by swapping the SIM from one person to another. Thereafter, scammers can intercept OTPs, enabling them to commit unauthorised transactions that result in losses for the victim.

Fake Rewards and Offers

Apart from all these scams, fraudsters lure victims with attractive deals or rewards and upfront payments through UPI. Once payment is made, the sellers will vanish, and the victims will end up with nothing for their money.

How to Identify Fake UPI Payments?

Identifying fake UPI payments is crucial to ensure you are not scammed. Here are different ways on how to identify fake UPI transactions:

Unsolicited Payment Requests

Be cautious of unexpected payment requests, particularly from strangers or organisations. Scammers tend to send a UPI request from a fake or misleading handle for approval to send money but infact you are paying money. So, you must authenticate the validity of any unsolicited demand before you make transactions.

Suspicious Payment Amounts

Cross-check the payment amount appearing in the screenshot before payment. Scammers may alter the screenshots to reflect a different amount. You must be especially cautious when dealing with large or unusual transactions. In addition, you must always double-check the details to ensure the payment is authentic.

Grammatical Errors and Inconsistent Branding

Usually, fake payment notifications contain grammatical errors and inconsistencies in branding. You can carefully cross-check the sender's screenshot. You must verify the source if you find discrepancies that indicate a fraudulent attempt.

Links and Attachments

You should never open attachments or click on links from unsolicited UPI payment alerts. They lead to malware downloads or take you to phishing websites that can breach the security of your device. Thus, always visit official apps or websites to make transactions.

Fake UPI ID

Scammers create fake UPI IDs that seem real. They may also add extra numbers to their UPI IDs, spell wrong words, or use unusual domain handles. Thus, always check if the UPI IDs are verified and double-check any handle before payment.

Fake UPI Generators and Apps

Avoid apps or websites that offer fake UPI services or say they can provide fake UPI payment screenshots. These are used by spammers for malicious intentions and compromise your UPI safety. You should always rely on trusted sources for all payment requirements.

How to Protect Against Fake UPI Payments?

Here's how you can stay viligent and protect yourself against fake UPI payments:

Verify Payments

Always check your UPI app balance or bank balance before delivering goods or services. Scammers tend to use fake payment screenshots or edited screenshots to confirm the payment. Thus, never rely on images sent by the payer.

Use Secure Platforms

Enable push notifications of payment receipt from secure UPI platforms or app, such as Google Pay, PhonePe, Paytm, BHIM, etc. Your bank will also send a credit SMS or app notification of payment receipt. Do not rely on a random WhatsApp message or normal message from an unknown number of a UPI payment made.

Avoid Sharing UPI Details Publicly

Do not post your UPI ID in a public platform or on social media. If you run a business, use QR codes generated from your bank app to receive payments and not the ones sent by unknown people.

Have a Separate Account for UPI Transactions

Link UPI to a secondary account with limited funds to reecive payments. This minimises the risk of fraudulent money withdrawal attempts.

Use Strong Device Security

Use a strong password lock for the app and enable double-factor verification to prevent fake UPI payment. Keep your UPI app and phone updated to patch vulnerabilities. 

Report Suspicious Activity Immediately

If you detect any fake payments, contact your bank’s customer care immediately and report the suspicious activity. You can also use NPCI’s UPI dispute portal or file a cybercrime complaint when you suspect fake UPI payments. 

How to Verify Genuine UPI Payments?

Verifying UPI payments is crucial to avoid falling victim to scams. Here is how you can ensure it is not a fake UPI transaction:

Check UPI ID

Always confirm the UPI ID of the recipient or sender prior to proceeding with any transaction. Make sure the ID confirms the authorised account of the individual or organisation you are operating with. A slight difference in the UPI ID may indicate fraudulent activity. Where you are suspicious, reach the person or company using an alternate communication channel to confirm their identity.

Confirm Payment Request

Before proceeding with a payment, confirm the request directly with the sender. It is especially important if you receive an unexpected request. Scammers often impersonate trusted contacts, so taking this extra step can help prevent falling victim to fraud.

Look for the Verified Merchant Badge

While making business payments, always check that the merchant has an authenticity badge on their UPI profile. A badge indicates that the vendor is verified, signifying their genuineness. If the badge does not exist or looks suspicious, proceed with the transaction at your own discretion.

Beware of Unsolicited Payment Links

You must be cautious of unsolicited payment links sent via messages or emails. Usually, scammers use such links to attract victims to provide sensitive information and make unauthorised payments. Hence, verify the source of any payment link before clicking on it. 

Transaction Alerts

Once payments have been done, you need to check your transaction notifications. Most UPI apps give an alert or notification for every transaction, which helps you monitor your expenditure and recognise unauthorised transactions. If there are any discrepancies or strange transactions, you need to report them to the bank or payment service provider immediately.

Fake UPI payments scams are increasing and can lead to heavy financial loss. Therefore, always verify payments, avoid relying on screenshots and add safe verification procedures to secure yourself. Authenticate payment details via the right means and cross-verify the UPI IDs of receivers or senders whenever needed. Being vigilant and informed can heavily reduce your chances of becoming a victim of fraud and secure your financial well-being.
Related UPI Articles:
1. UPI Transaction Charges
2. Offline UPI Payment
3. How to Reverse Wrong UPI Transactions?
4. BHIM UPI Payments App

Frequently Asked Questions

How to check fake UPI transactions?

Verify the UPI ID against the sender's name, check the payment request details, review your transaction history in your UPI app and compare them with your bank’s details to check fake UPI transactions.

How to check fake transaction IDs?

You can cross-verify the transaction ID with your UPI app or bank. Usually, fake IDs do not match the format or structure of genuine UPI transaction IDs.

Can UPI payments be traced?

Yes, UPI payments can be traced through the transaction ID, which logs all details, including the sender, receiver, amount, and timestamp.

How to check if the UPI ID is genuine?

To check if the UPI ID is genuine, validate the UPI ID by sending a small payment or contacting the sender’s bank. Trusted UPI apps also display the registered name linked to the UPI ID.

About the Author
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Mayashree Acharya

Senior Content Writer
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I am an advocate by profession and have a keen interest in writing. I write articles in various categories, from legal, business, personal finance, and investments to government schemes. I put words in a simplified manner and write easy-to-understand articles. Read more

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