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UPI payment request or link presented as receiving money

A buyer or caller sends a payment link or request and tells you to enter your UPI PIN to receive money, which instead sends money from you. Since 1 October 2025 ordinary people can no longer send each other UPI collect requests, so the trick now comes as a link or a request from a business account.

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How it works

A buyer for something you are selling, or a caller with a refund or cashback, says they will send you money by UPI.
You get a payment link, or a request that seems to come from a shop or company, and are told to approve it with your UPI PIN to receive the amount.
Entering the PIN sends money from your account; the scammer then claims a mistake and asks you to "try again" with a bigger amount.

What it looks like

Example messages. Numbers and links are masked.

I have sent you a payment link for the Rs 5,000 advance. Open it and enter your UPI PIN to receive the money.

Your refund of Rs 1,499 is ready. Approve the request from our company account in your UPI app to receive it.

Red flags

You are asked to enter your UPI PIN to receive money
A link or request instead of money simply arriving
A "mistake" followed by "try again"
A buyer in a hurry who never comes to see the item

The one question to ask

When did you last need your PIN to receive money?

Already paid or shared details?

Call 1930 at once: in the first hour the money can often still be frozen before it moves on. Then call your bank on the number printed on your card, and file a complaint at cybercrime.gov.in with screenshots of every message and payment.

1930 · cybercrime.gov.in

Also seen as

Fake refund or cashback requests
Old-style collect requests, which UPI stopped between people from 1 October 2025

What people are saying

ScamBhai desk2026-10-25UPI payment request or link presented as receiving money

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…

From the ScamBhai desk: a composite of common reports, not one person's story

#UPIFraud #OLXScam

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