In short
An unexpected UPI collect request arrives, often accompanied by a convincing story The objective is typically to authorize a payment to the fraudster.
What it is
The requester claims approving the request will receive money, verify an account or complete a legitimate transaction. The victim is then pushed to approve the collect request and enter the UPI PIN.
How it starts
An unexpected UPI collect request arrives, often accompanied by a convincing story.
What they tell you
The requester claims approving the request will receive money, verify an account or complete a legitimate transaction
What they want you to do
Approve the collect request and enter the UPI PIN
How you lose money
authorize a payment to the fraudster
What happens next
After the first successful step, the fraudster may demand more money/information, deepen account or device access, or disappear.
Warning signs
trust | urgency | confusion | UPI collect request
Where this is documented
India — officially documented by an Indian authority/regulator
How to avoid it
Remember that a UPI PIN authorizes a debit; verify collect requests and QR codes before approving; do not install screen-sharing or SMS-forwarding apps at a stranger's request.
If it already happened
Contact the bank/payment provider immediately if money moved; report financial cyber fraud promptly via 1930 and cybercrime.gov.in; preserve messages, transaction IDs, phone numbers and URLs.