Top 5 Security Tips for UPI Apps | PhonePe | Paytm | Google Pay

UPI is a rapid payment interface that allows users to transfer money through the app without sharing any bank account details. In this blog post today, I will introduce you to the top five security tips for UPI apps so that you are always alert.

Nevertheless, fraudsters very cleverly succeed in cheating through these UPI apps like Paytm, PhonePe, Google Pay and many other UPI apps.

So, how to avoid fraudsters?

Fraudsters always use a new method to deceive users. 10/15 per cent of the people get caught in the trap of fraudsters and lose thousands of rupees in this trap. You always have to be vigilant with these fraudsters.

UPI platform is considered to be the most secure; it does not require any user ID and password, requires your PIN or transaction password, which is created itself.

Today mobile phones are being used on various platforms like banking, bill payments, recharges and e-commerce, etc. If you want to know how to open an account with SBI through Yono app?

But, UPI takes advantage of this and gets connected to your mobile number for identification.

When you sign up for the UPI, your phone sends an SMS for verification purposes. Ensures that no one can copy the OTP from another device.

UPI PIN adds an extra layer of security to your transactions.

Top 5 Security Tips for UPI Apps

Tip 1: Download UPI apps from official stores like ‘Google Play Store’ and ‘Apple Store.’

Tip 2: Never click on a link that you have received in an email or from a fraudster’s text message.

Tip 3: First of all, do not use your registered mobile number on any social platform.

Tip 4: Fraudsters are cheated the most by phone calls. So always use a secondary mobile number that is not linked to the bank account.

Tip 5: There is no need to enter the UPI PIN while receiving the amount; if you enter a PIN, then you are going to transfer. 

When you transfer funds with someone through PhonePe, Paytm or G-Pay, you will have to enter the UPI PIN. But UPI PIN is not required while receiving payment.

Top Five Best UPI Apps In 2020

  1. Google Pay
  2. PhonePe
  3. Paytm
  4. Freecharge
  5. Mobikwik


To create a PIN, you will have to enter your debit card details and verify the OTP sent by your bank on your registered mobile number. Your UPI PIN is required for every transaction for authorization.

Must read: How to create UPI ID in SBI


Physical access to your phone will not be enough to do the transaction. If your phone is stolen, your PIN will be required to conduct the transaction, and your account money will be safe.

There is no intermediate step where fraudsters gain access to your bank account. In short, UPI transactions are made bank directly to the bank. 


At present, UPI is being linked with Aadhaar biometric, in which UPI security will be increased even more. UPI ‘PIN‘ also has an additional security layer.

CONCLUSION: UPI PIN is essential when you are going for any transactiononline shoppingbill payment or mobile recharge. You can not do anything without UPI PIN. Entering a UPI PIN means that you are paying someone.

Remember, you do not need to enter a UPI PIN while receiving. Do not share the registered mobile number on any social platform which is linked to the bank account.

Most fraudsters commit fraud through mobile numbers. Such as phone calls, fake SMS, fake link, etc.

About Anowar

This blog is dedicated to helping people learn about education courses, online money, career guides and many other general topics.

View all posts by Anowar

Leave a Reply

Your email address will not be published. Required fields are marked *