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You do not need to approve a payment to receive cashback. A UPI PIN authorizes a bank transaction; if a supposed reward or refund flow asks you to enter it, stop and check what the screen says before proceeding. NPCI warns that fake cashback links and QR codes can be used to prompt PIN entry. The available official guidance does not establish that these scams become more common during the festive season, but the checks below apply whenever a reward claim appears.
1. Entering a UPI PIN to receive a reward
A UPI PIN authorizes a bank transaction. It is not a step for accepting an incoming cashback credit. NPCI warns that fake links or QR codes may promise rewards in exchange for entering a PIN, and clarifies that scanning a QR code and entering a PIN is for making a payment, not receiving money. NPCI’s fraud-awareness guidance advises users to be careful of these schemes.
Before authorizing any payment, check the transaction direction, the recipient and the amount displayed in your official UPI app. If you expected cashback but the screen is asking you to approve a debit, cancel or decline it.
2. Scanning a reward QR code or opening an unsolicited cashback link
Do not scan an unexpected QR code or follow a link simply because a message, caller or chat promises a festive reward. A QR code can take you into a payment flow; according to NPCI, scanning it and entering your PIN is meant to make a payment, not to receive one.
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If a reward claim seems genuine, verify it independently in the official app or service where you made the purchase. Do not continue through a link or code you do not understand.
3. Approving a collect request without checking it
A UPI collect request is a request for you to pay. NPCI’s UPI FAQ describes a payment flow in which a user receives a collect request and enters a PIN to complete the payment. Treat an unexpected collect request as a payment authorization—not as proof that cashback or a refund is being credited.
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Decline a request you did not initiate. If you did initiate a purchase or payment, still verify that the recipient and amount match what you intended before authorizing it.
4. Sharing your PIN or trusting unsolicited “support”
Never tell another person your UPI PIN. NPCI says not to share it and states that bank customer support will not ask for it. A caller, message or chat claiming to help release cashback or reverse a payment is not a reason to disclose your PIN or follow an unfamiliar link.
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To seek help, open your bank’s or payment app’s official support channel yourself rather than using contact details or instructions supplied in an unsolicited message. NPCI’s safety campaign also addresses SMS phishing and online money schemes; see its November 2024 campaign announcement.
5. Waiting to act after a suspicious debit
If you approved a suspicious transaction or see an unfamiliar debit, act promptly:
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- Contact your bank and UPI provider. Use verified contact details or support inside the official app. Give them the transaction details and follow their instructions.
- Keep relevant records. Save the transaction reference, amount, date and time, and any related messages, links or caller details.
- Report the incident. The Government of India identifies the National Cybercrime Reporting Portal and helpline 1930 for reporting cyber incidents, including financial fraud. The Ministry of Finance’s December 15, 2025 Lok Sabha answer lists these reporting channels.
Reporting is not a guarantee that money will be recovered. The government answer describes system safeguards—including device binding, PIN-based two-factor authentication, transaction limits and NPCI fraud monitoring—but those measures are not a substitute for reporting a transaction you believe is fraudulent.
How to check a cashback prompt before approving anything
- Did you initiate the transaction? If not, do not approve it just because it is labelled a reward, refund or cashback.
- Does the screen show a payment or debit, rather than an incoming credit? Stop if the transaction direction does not match the claim.
- Are the recipient and amount what you expect? Read both before entering a PIN for any payment you chose to make.
- Did the prompt arrive through an unsolicited link, QR code, call, message or chat? Verify the claim separately through the official app or service.
What the official figures do—and do not—show
These figures describe broader digital-payment fraud or reported incidents, not the chance that an individual UPI user will be scammed during a festival:
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- In an RBI publication discussing a survey of digital-payment fraud or attempted-fraud encounters, the reported shares by method were 54.2% vishing, 37.2% phishing, 28.7% misuse of collect requests and 25.5% remote access. These are method shares in that survey context, not UPI-only rates or festive-season figures. RBI publication.
- The Ministry of Finance reported 4.07 lakh incidents involving ₹242 crore in FY 2021–22; 7.25 lakh and ₹573 crore in FY 2022–23; 13.42 lakh and ₹1,087 crore in FY 2023–24; and 12.64 lakh and ₹981 crore in FY 2024–25. It also reported 10.64 lakh incidents involving ₹805 crore in FY 2025–26 through November 2025; that is a partial-year figure, not a full-year total. These are government-reported cyber-fraud figures, not a measure of festive-season UPI cashback fraud. Ministry of Finance, Lok Sabha answer, December 15, 2025.
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