NPCI Issues 5 Digital Payment Safety Tips For Festive Shopping; Warns Users Against Fake Websites And Fraudulent Links

The National Payments Corporation of India (NPCI) has issued five safety tips for users making digital payments during festive-season shopping.

NPCI said scammers often take advantage of the festive rush, when shoppers may act quickly to grab deals that appear too attractive to miss. NPCI’s recommendations focus on checking the source of an offer, making payments through official platforms and refusing requests for confidential information.

Its broader advice on cybersecurity and safe digital transactions also highlights the risks of phishing and social engineering.

What Are The Safety Precautions Suggested By NPCI?

1. Use official shopping websites and apps

Fake shopping sites often look much like the real ones. Their aim is to get hold of customers’ personal and payment details. NPCI has asked users to enter the website address themselves or open the retailer’s official app instead of relying on links shared in messages.

The warning also applies to files and festive greetings sent by unknown contacts. A link promising a special deal or a greeting card could take users to a fake website. Downloading such files may also put their devices at risk.

2. Pay through the retailer’s checkout page

Be cautious if a seller asks you to leave the shopping app or website to make a payment. Fraudsters may share an external UPI ID or a separate payment link to get customers to transfer money outside the platform.

NPCI has advised users to finish the transaction through the retailer’s own checkout page. Check the seller’s details before making the payment.

3. Verify cashback and voucher offers

Messages promising free vouchers, cashback or festive gifts may ask recipients to share OTPs, provide bank details or pay a small fee to claim a reward.

NPCI said genuine offers do not require users to disclose sensitive information or make upfront payments. Shoppers should check such promotions directly through the retailer’s official app or website rather than responding to unsolicited messages.

How Can Users Spot Fake Payment Requests, OTP Scams And Urgent Messages?

4. Never share an OTP received unexpectedly

Fraudulent messages may claim that a payment has failed or an account has been blocked and then ask users to share an OTP to resolve the issue.

NPCI clarified that OTPs are meant to authorise transactions initiated by users. Users should never share an OTP, even if the caller claims to be from their bank or payment app.

5. Don't act in a hurry

A message warning of an expiring offer or an account block may be a scam. NPCI has advised users to check such claims on the official app or website before responding. If in doubt, contact customer support. Don't use links or phone numbers sent in the message.

Take a moment to verify before you click, pay or share any details.

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