Common tarika: Aapne OLX ya Facebook Marketplace pe purana sofa daala. Ek "buyer" turant ready ho jata hai, mol-bhaav bhi nahi karta. Kehta hai "main advance bhej raha hoon, bas request accept kar lo".

Phone pe UPI request aati hai jisme likha hota hai "Receive ₹8,500". Accept karke PIN daalte hi paise aate nahi, balki aapke account se kat jaate hain. Phir woh kehta hai galti se ho gaya, dobara karo, aur aisa do teen baar hota hai.

Yaad rakhein: paise lene ke liye kabhi UPI PIN nahi daalna padta. PIN sirf paise bhejne ke liye hai. Agar koi request "receive" kehkar PIN maange, to woh dhokha hai.