UPI Scam in 2025–26: New Techniques Used by Cyber Criminals

Unified Payments Interface (UPI) has transformed digital payments in India, making transactions faster and more convenient. However, as UPI usage continues to grow in 2025–26, cyber criminals are evolving their techniques to exploit users. UPI scams have become more sophisticated, resulting in significant financial losses for individuals and businesses alike.

At Codevirus Security Pvt. Ltd., we analyze real-world cyber fraud cases and educate users about emerging threats to help them stay secure in an increasingly digital economy.

Why UPI Scams Are Rising in 2025–26?

India processes billions of UPI transactions every month. This massive adoption has made UPI a prime target for cyber criminals. Factors contributing to the rise include:

· Increased reliance on digital payments

· Lack of cyber awareness among users

· Trust-based transaction approvals

· Poor understanding of UPI request mechanisms

Many users mistakenly believe that UPI is completely safe, ignoring the fact that scammers exploit human psychology rather than technical loopholes.

New UPI Scam Techniques Used by Cyber Criminals

1. “Collect Request” Scam

In this scam, attackers send a fake “payment request” instead of sending money. Victims unknowingly approve the request, thinking they are receiving funds.

Example message:

“Your refund is pending. Please approve the UPI request.”

Once approved, money is instantly debited.

2. Fake Customer Care Scam

Scammers pose as bank or UPI app customer support agents on Google search results, social media, or WhatsApp. Victims are asked to:

· Share UPI IDs

· Install remote access apps

· Approve test transactions

This scam alone accounts for thousands of cases reported monthly.

3. QR Code Scam

Contrary to popular belief, scanning a QR code can trigger a payment request, not receive money. Fraudsters send QR codes claiming refunds, prizes, or payments, leading to unauthorized debits.

4. Screen Sharing & Remote Access Scam

Attackers convince users to install apps like AnyDesk or TeamViewer, gaining full control of the phone and accessing UPI apps, OTPs, and SMS.

5. SIM Swap + UPI Fraud

Cyber criminals obtain duplicate SIM cards using fake KYC, gaining access to OTPs and resetting UPI PINs to drain bank accounts.

Real Case Study (India — 2026)

In early 2026, a Bengaluru-based professional lost over ₹3.5 lakh after searching for UPI customer support online. The scammer guided him to approve a “reversal request,” which actually debited his account. Such cases highlight how lack of verification leads to serious losses.

Warning Signs of UPI Fraud

·Urgent payment requests

· Calls asking to “verify” UPI details

· Messages promising cashback or refunds

· Requests to install unknown apps

· Pressure tactics like “account will be blocked”

How to Protect Yourself from UPI Scams?

Best Practices Recommended by Codevirus Security:

· Never approve unknown UPI collect requests

· Banks never ask for UPI PIN or OTP

· Avoid searching customer care numbers on Google

· Use official banking apps only

· Enable transaction alerts

· Lock your SIM card with a PIN

Common Mistakes to Avoid:

· Sharing screenshots of payment apps

· Trusting strangers offering refunds

· Scanning QR codes sent via WhatsApp or SMS

· Clicking unknown payment links

What To Do If You Fall Victim to a UPI Scam?

· Call your bank immediately

· Block your UPI account

· Report to cybercrime.gov.in

· Inform local cyber crime cell

· Change all banking credentials

· Quick action increases the chances of fund recovery.

How Codevirus Security Helps Fight UPI Fraud?

Codevirus Security Pvt. Ltd. actively works to:

· Educate users through cybersecurity awareness programs

· Train professionals in ethical hacking and digital forensics

· Help organizations strengthen fraud detection systems

· Promote safe digital payment practices

Our cybersecurity training equips learners with real-world knowledge to identify and prevent financial frauds.

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