Online scams: Do not scan QR codes to ‘receive’ money


An attendant holds a QR code sign as a customer makes a payment after filling petrol at a fuel station in Mumbai. Aside from the QR code fraud, there are a number of ways wherein online scams are being carried out wherein innocent victims are fleeced of their hard-earned money. — AFP

What appears obvious to a rational mind may not be too obvious all the time.

Intuitively, most Indians know that making a payment via UPI (Unified Payments Interface) – an instant real-time payment system developed by the National Payments Corporation of India to facilitate inter-bank transactions through mobile phone in the country – calls for scanning a QR code, but some scamsters manage to convince their gullible victims that this method can be deployed to receive the money too.

What can leave you dumbfounded is that they succeed in their nefarious acts more often than not.

Sample this. Early this year, Delhi’s chief minister Arvind Kejriwal's daughter Harshita became a victim of online scam. She tried to sell an old sofa set at online second-hand marketplace but was, instead, duped of 34,000 Indian rupees (RM1,924).

And she is not alone. Several such cases have come to the fore of late.

Another victim of online fraud shared his story on Mumbai’s reddit community.

This Mumbaikar wrote that he wanted to sell his furniture on an online marketplace. After seeing the advert, one potential ‘buyer’ called him and asked him to scan the QR code.

Despite being reluctant initially, he got convinced after he was affirmatively told that it was the only way to sell the furniture online.

Being a novice in online selling, he scanned the QR code with an intent to receive the money, but lost 5,000 rupees (RM283) instead. Much to his surprise, the scamster had the audacity to tell him to scan another QR code to receive the money which was sent inadvertently.

But he did not fall into his trap again, and instead went to a police station to file a criminal complaint. What he saw there spooked him. He realised that such scams were happening on a daily basis. Someone claimed to have lost 75,000 rupees (RM4,246), while another person lost 14,000 rupees (RM792), so on and so forth.

The lesson one must learn from these not-so-inspiring anecdotes is that no matter how tempting the offer is, you should never ever scan the QR code in order to ‘receive’ the payment.

Aside from the QR code fraud, there are a number of ways wherein online scams are being carried out wherein innocent victims are fleeced of their hard-earned money.

We list out some of these here along with the useful tips:

A. Giving remote access: By downloading an unverified app, one can give remote access to their device. This can be misused by fraudsters to steal money through UPI.

B. Phishing scams: Some unauthorised payment links are sent via SMS. The link, when clicked, takes you to the UPI payment app on your phone. This would prompt you to select any of the apps for auto debit. After giving the permission, the amount would instantly get deducted from your account.

C. Sharing OTP & PIN: It is an oft-repeated warning that online banking customers must not share their UPI PIN or OTP with anyone. Regardless of this, some fraudsters manage to convince the customers to share the OTP received on their phone. After it is shared, the fraudsters can authenticate illegitimate transaction and steal the money.

D. Deceptive handles: Some smart hackers use names like BHIM or SBI on their UPI social page to give an impression that it’s a credible UPI platform. So, UPI users must be careful about these tactics. – Mint, New Delhi/Tribune News Service

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