How to Use QR and UPI Features Safely—Avoid Frauds (Cybersecurity Focus)

How to Use QR and UPI Features Safely—Avoid Frauds (Cybersecurity Focus)

Introduction

UPI and QR-based payments have transformed how India transacts. Whether you’re buying groceries, paying bills, or transferring money to friends, these digital tools offer unmatched ease. But just as quickly as we’ve adapted to these innovations, fraudsters have too.

At Bank of Maharashtra, customer safety is a top priority. As digital payments grow, Bank of Maharashtra continues to strengthen its systems and educate users on how to stay secure. This guide will help you understand common threats and share best practices to ensure that your QR and UPI transactions remain safe.


Why QR and UPI Are Targets for Fraud

Digital payments via QR codes and UPI are instant, and that makes them vulnerable when misused:

  • Fake QR Codes: Fraudsters may paste their own QR code over genuine ones to divert payments.
  • Phishing through QR (Quishing): Some QR codes lead to lookalike websites asking for login details.
  • Social Engineering Tricks: You may be asked to scan a QR code to “receive money” and end up sending it instead.
  • Fraudulent “Request Money”: Some use the UPI ‘Collect’ feature to send false payment requests disguised as refunds.

These scams can cause financial and emotional stress. But you can prevent them by staying vigilant and adopting simple cybersecurity habits.


Smart Practices to Keep QR and UPI Payments Safe

Always Scan Verified QR Codes

At restaurants, shops, or petrol pumps—verify that the QR code isn’t tampered with or loosely pasted. If in doubt, ask the merchant to confirm.

At Bank of Maharashtra branches and merchants, you’ll always find verified and securely printed QR codes. These are digitally linked and routinely checked.

Double-Check Recipient Details

Before confirming payment:

  • Check the merchant’s name and UPI ID.
  • Confirm the amount and purpose.
  • Be cautious with unfamiliar names or IDs.

Never Share Sensitive Information

Whether it’s your:

  • UPI PIN
  • OTP
  • Internet banking credentials

Keep them private. No Bank of Maharashtra official will ever ask you for such details. If someone does, report it immediately.

Use Secure Apps and Strong Authentication

  • Download Bank of Maharashtra’s MahaMobile Plus and MahaUPI apps only from official app stores.
  • Enable biometric login or strong passwords.
  • Set app-lock or two-factor authentication wherever possible.

We ensures its mobile platforms follow bank-grade encryption and security protocols, giving customers a secure banking environment.

Stay Away from Public Wi-Fi During Transactions

Public or unprotected Wi-Fi networks can be exploited. Use mobile data or trusted networks when scanning QR codes or sending UPI payments.

Bank of Maharashtra’s apps have auto-timeout and encrypted communication, but it’s still best to avoid unsafe networks.

Turn On Alerts and Keep Tabs on Transactions

Enable SMS and email notifications for all transactions. With us, you can:

  • Get real-time UPI transaction alerts
  • View detailed statements via net banking or MahaMobile Plus
  • Track your past payments and beneficiaries easily

This allows you to catch any unauthorized activity early.


Watch Out for Common Scenarios

Refund Scams

A common trick: someone offers you a cashback or refund and sends you a QR code to scan. Remember—you don’t need to scan a QR code to receive money. If you scan and enter your PIN, you're sending money instead.

QR Sticker Swaps

Scammers may stick a fake QR code on top of a real one, especially at unattended kiosks or shops. Always cross-check with the merchant and look for the Bank of Maharashtra logo on authorized QR stands.


Protect Yourself With Bank of Maharashtra’s Safety Features

Bank of Maharashtra continuously upgrades its digital infrastructure to enhance user safety:

  • Transaction Limits: Set daily UPI transfer limits to cap risk.
  • 24x7 Customer Support: We offers helpline numbers and in-branch assistance if you suspect fraud.
  • Blocking Option: Lost phone or suspicious activity? Use our Internet Banking or MahaMobile Plus to block UPI services instantly.
  • Secure Login Protocols: Regularly updated security layers, including biometric and password protection.


Report Fraud Instantly

If you suspect UPI fraud or unauthorized transactions:

  • Call Bank of Maharashtra’s customer care or visit your nearest branch.
  • Block your UPI account via the app or net banking.
  • Call 1930, the Indian Cybercrime Helpline.
  • Report online at cybercrime.gov.in

Quick action can help recover funds or prevent further damage.


Final Thoughts

QR and UPI tools are modern marvels—but like any tool, their safety depends on how we use them. Following simple steps like verifying QR codes, avoiding public Wi-Fi, and staying alert can make all the difference.

At Bank of Maharashtra, we not only provide secure digital services but also help our customers grow confidently in the digital economy. Whether it’s using our MahaUPI features, scanning QR at verified our merchants, or banking through our secure apps, you can always trust us for a safe and smart banking experience.

Author: Bank of Maharashtra
Date of Publish: 03 Nov, 2025

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