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Lesson 05 of 067 min

Digital Payments with UPI

UPI lets you send money straight from your bank account using apps like Google Pay, at any time of the day. It is fast and safe as long as you follow one rule: your UPI PIN stays secret.

From our Digital Guidebook · Google Pay

In this lesson you will

  • Understand how a UPI payment travels
  • Pay someone and check their name
  • Receive money with your QR code
  • Recognise a “collect request” trick

How it works

How a UPI payment travels

  1. Your UPI appYou enter the amount
  2. Your UPI PINOnly you know it
  3. Your bankMoney leaves your account
  4. Their bankMoney arrives in seconds

How to

Pay someone

Following along on your phone? Tick each step as you go.

How to

Receive money with your QR code

Following along on your phone? Tick each step as you go.

Real-life example

Is this real cashback?

UPI-Rewards

SMS

Congratulations! ₹2,000 cashback is waiting for you. Approve the request in your UPI app and enter your UPI PIN to receive it. Offer ends today.

Read it carefully. How many warning signs can you find before you inspect it?

Compare

Paying safely

Do

  • Check the name before you pay
  • Lock the app with a PIN or fingerprint
  • Check your transaction history now and then
  • Keep your UPI limit low

Don’t

  • Share your UPI PIN with anyone, even “support” staff
  • Enter your PIN to receive money
  • Scan a QR code someone sends to “give” you money
  • Pay a request you did not expect

Test yourself

Quick check

0 of 3 answered

  1. 01Someone says you must enter your UPI PIN to receive a refund. What is true?
  2. 02What should you check before tapping Pay?
  3. 03A bank “support agent” asks for your UPI PIN to fix a problem. What do you do?