With the growing use of digital payments, especially UPI (Unified Payments Interface), cybercriminals are finding new ways to cheat people. What used to be a quick and secure payment method is now being targeted by fraudsters using fake UPI apps. If you are a shopkeeper, trader, or anyone who accepts UPI payments, you need to be extra alert. A new method is being used where the fraud not only looks real but also sounds real.
The New Fraud Method: Fake UPI Apps + Fake Payment Alerts
Cybercriminals have started using fake UPI apps that look almost exactly like Google Pay, PhonePe, or Paytm. These apps are designed to trick shopkeepers. Here’s how the scam works:
- The customer shows the shopkeeper a payment screen on their phone that looks just like the original app.
- It displays a fake payment success message, often with transaction IDs and bank logos to make it look real.
- The biggest trick? These fraudsters are also using fake soundbox alerts. You might have seen small UPI soundboxes in shops that announce, “Rs 500 received from Google Pay.” These fake apps can trigger a similar sound, making it even more convincing.
- In reality, no money is transferred, and the shopkeeper suffers a direct loss.
This type of scam is becoming more common in busy markets and small shops where transactions happen quickly, and shopkeepers don’t always get time to double-check payments.
Why These Frauds Are Dangerous
- Looks Real: The fake UPI apps copy the exact design of genuine apps.
- Sounds Real: Fake sound alerts make the scam more believable.
- No Real Money Movement: Shopkeepers hand over the product but receive no money.
- Hard to Trace: Once the fraudster leaves, there’s little chance of catching them unless there is CCTV footage or police intervention.
Who Is at Risk?
- Small shopkeepers
- Street vendors
- Retail stores using UPI soundboxes
- Delivery agents
- Anyone accepting UPI payments without verifying them properly
What You Can Do to Stay Safe
These frauds may sound scary, but with some easy steps, you can avoid falling into the trap:
✅ Double-Check Every Payment
Before handing over goods or completing any service, check if the money has actually come into your account. Don’t rely only on the screen or the sound alert.
✅ Use Your Own UPI App to Confirm
Open your UPI app (Google Pay, PhonePe, Paytm, etc.) and go to transaction history. Make sure the latest payment is showing there before confirming the deal.
✅ Don’t Trust New or Unknown UPI Apps
If a customer is using an unfamiliar or lesser-known app, politely ask them to use a popular one or wait until you verify the transaction. Fraudsters often use cloned apps with similar icons and layouts.
✅ Download Apps from Official App Stores Only
Whether it’s your own app or you’re helping someone install one, always use the Google Play Store or Apple App Store. Avoid apps from third-party links or unknown websites.
✅ Soundbox Is Not Proof
Soundbox alerts are helpful, but they should not be the only basis for trust. They can be hacked or mimicked. Always confirm through your app or SMS from the bank.
✅ Report the Fraud Immediately
If you suspect or discover a fake transaction:
- Call the national cybercrime helpline 1930.
- File a complaint at your nearest police station.
- Save CCTV footage or screenshots if available.
UPI Fraud Is Evolving — So Should You
The number of UPI users in India has grown in the last few years, and so has the creativity of fraudsters. Earlier, SMS scams and phishing calls were common. Now, fraudsters are using mobile apps and sound alerts to fool people. These fake UPI apps are easy to find and install for them, but they can cause big financial damage to you if you’re not alert.
Even though technology is moving forward, it’s important to stay cautious. As a shopkeeper or business owner, don’t feel rushed. Take a few extra seconds to verify the payment before handing over the product or cash.
A few seconds of caution can save you from big losses. Stay smart, stay safe — and always double-check that UPI notification!
