In the last decade, due to digitization, people have become aware of online transactions and its use has increased rapidly. In such a situation, the popularity of UPI transactions has increased among the people. The biggest reason for this is that it makes the payment process easy and convenient.

The National Payments Corporation of India (NPCA) said in its report that in 2024, transactions worth about Rs 20.64 lakh crore have been done by UPI. This makes it clear that thousands and millions of people use it. But nowadays a new scam has come to the fore, which is known as UPI Auto Payment Request Scam. Let's know about it.

What is UPI Auto Payment
Unified Payment Interface or UPI has made online payment very easy for you with a QR code and UPI ID system. But for some of our payments, we have to wait for a certain period and sometimes we forget about it. In such a situation, the UPI Auto Payment facility comes in handy.

Let us tell you that NPCI introduced the 'UPI Auto-Pay feature in 2020.

This feature automatically pays mobile recharge, mutual fund investment, loan, credit card bill payment, electricity payment, or even OTT subscription plan on time.

For this, you have to do some settings and this payment is deducted from your account on the time and date of payment.

These help you stay safe from late fees and other types of penalties.

What is the UPI Auto-Pay Request Scam

Now the next question that comes to our mind is what is this UPI Auto-Pay Request Scam and how does it work?

Scammers try to cheat people through this. In this, scammers send auto-pay requests to the user.

After this, they try to trap you in it by giving some reason.

In this, especially the reason given is non-payment of electricity bill and expiry of OTT subscription.

These auto-payment requests come from companies that usually send you collect money or auto-pay requests every month.

Since users see such requests every month, they easily fall into its trap and allow it.

How to avoid this scam
We need to stay safe from such scams. Here we will tell you how you can protect yourself from this scam. You can stay safe by keeping these points in mind.

Avoid linking your bank account directly to your UPI ID.

Use the wallet app for auto payment instead of an account.

Keep limited money in these wallets so that you are safe in case of a scam.

Check UPI ID and details before approving any auto payment request.

If you have received an auto-pay request from an unknown service, do not okay it.

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