How to Use UPI QR Codes Safely While Shopping: Complete Guide for 2025

With the rise of digital payments in India, UPI QR codes have become one of the most convenient ways to pay-whether you’re at a supermarket, a local kirana store, or even buying fruits from a roadside vendor. But convenience often attracts fraud. In 2025, QR code scams are among the fastest-growing digital threats in India, according to CERT-In.

If you use UPI frequently, knowing how to use QR codes safely is no longer optional-it’s essential. This guide explains everything you need to know to shop securely using UPI QR codes.

What Is a UPI QR Code?

A UPI QR code is a machine-readable code that, when scanned using a UPI-enabled app (like PhonePe, Google Pay, Paytm, etc.), allows you to send money instantly to the merchant’s or recipient’s bank account.

There are two types of UPI QR codes:

• Static QR Code – Linked to a fixed account and used by small merchants.
• Dynamic QR Code – Changes with every transaction and includes the bill amount automatically.

While both are secure when used properly, fraudsters often exploit static codes.

Why UPI QR Code Scams Are on the Rise

Recent reports from the RBI and NPCI reveal that scammers are manipulating QR codes to redirect payments to their own accounts. Some even trick users into scanning codes during fake refund or cashback offers. Once the money is sent, it’s nearly impossible to recover.

Understanding how to use QR codes safely can protect you from falling into these traps.

How to Use UPI QR Codes Safely While Shopping

Here are practical steps to ensure your QR-based UPI payments are secure:

1. Verify the QR Code Source

Before scanning any QR code:
Ask the merchant to confirm if the QR code belongs to them.
Cross-check the merchant’s name on your UPI app once you scan the code.
Avoid codes printed on loose paper or randomly placed near counters.
Genuine merchants usually have laminated or branded QR code stands.

2. Always Confirm the Receiver’s Name

Once you scan a UPI QR code, your app will display the receiver’s name or business name. If it doesn’t match the person or shop you’re paying, cancel the transaction immediately. Report the code to the UPI app’s support team.
If the name looks suspicious (like a personal name instead of a business), it may be a scam.

3. Never Scan QR Codes to Receive Money

UPI QR codes are only meant for sending money, not receiving. Scammers often send you a QR code asking you to scan it to “receive” cashback, a refund, or a prize.
If someone says “Scan this QR to get ₹500,” it’s a scam. Scanning sends your money to them, not the other way around.

4. Avoid Publicly Shared QR Codes

Avoid using QR codes shared via WhatsApp forwards, social media, or SMS from unknown numbers.
Scammers often share fake QR codes disguised as offers, sales, or cashback rewards. Stick to trusted merchants and official apps only.

5. Use Trusted UPI Apps Only

Use UPI apps from well-known and verified developers such as Google Pay, PhonePe, Paytm, BHIM, and Amazon Pay.
Avoid third-party apps that are not listed on the official Play Store or App Store.
Keep your app updated to get the latest security patches and scam detection features.

6. Enable Payment Notifications

Make sure your UPI app and bank SMS alerts are enabled. This allows you to receive real-time updates of amount deducted, receiver details, and transaction time.
If you didn’t authorize a transaction, you can immediately report it.

7. Secure Your Phone with Lock & UPI PIN

To avoid unauthorized access to your UPI, set a strong screen lock (fingerprint, PIN, or pattern). Never share your UPI PIN with anyone.
Log out or lock your app when not in use. Remember: UPI apps do not require your PIN to receive money-only to send.

What to Do If You Suspect Fraud

If you suspect you’ve been scammed or paid to the wrong QR code:

1. Report immediately in your UPI app via the “Help” or “Dispute” section.
2. Contact your bank and request a transaction reversal (faster if done within hours).
3. File a complaint on NPCI’s dispute redressal system.
4. Report cybercrime at cybercrime.gov.in.
   Time is critical. The earlier you act, the higher your chances of recovery.

Tips to Stay Safe While Using UPI QR Codes in 2025

• Do not scan random QR codes in public places or online forums.
• If you’re a merchant, use dynamic QR codes and avoid printing codes on paper.
• Beware of fake cashback or KYC offers asking you to scan a QR code.
• Educate family members, especially elders, about common UPI scams.
• Avoid storing screenshots of QR codes from unverified sources.

Final Thoughts

UPI QR codes have made digital shopping incredibly fast and convenient-but they come with risks if you’re not careful. By following safe payment practices, double-checking merchant details, and never scanning codes to receive money, you can shop securely and confidently in 2025 and beyond.
Always remember: if it feels suspicious, don’t scan. When in doubt, ask for help or report it.