The UPI & Online Payment Safety Handbook
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About this book
₹94,000 gone in one tap — and she typed the PIN herself.
Nobody hacked Meera's phone. A polite caller knew her name and her bank branch. He said a wrong payment needed reversing. She approved one request, and ₹94,000 was gone. Her bank refused to refund it — and the bank was within its rights.
Most online fraud in India works like this. Criminals don't break into your phone. They talk you into paying them yourself.
This plain-English handbook shows you exactly how it is done — across UPI, cards, net banking, WhatsApp, fake shops and job and investment offers. It gives you five simple rules that stop most of it, and the exact steps to take in the first hour if money has already gone.
Written for everyone who pays with a phone. No jargon, no technical knowledge needed.
69 pages. PDF and EPUB. Read on any phone, tablet or computer.
What is inside
- The one thing nobody tells you — why banks refuse most fraud refunds, and what that means for you
- The 5 simple rules that stop the most common frauds — on one page, right at the start
- Fake refunds, QR code scams and the "₹1 test" trick
- Fake customer-care numbers and screen-sharing apps
- "Mummy, this is my new number" — the WhatsApp scam and how to end it in one move
- "You are under digital arrest" — the fake CBI and ED calls, with real reported cases
- Aadhaar biometric fraud, and the free setting that blocks it in five minutes
- Cards, OTPs and net banking — the switches your bank already gives you
- Links, fake shops and delivery messages — how to read a link before you tap it
- Job scams, fake investment groups and loan apps
- The first hour — exactly what to do, and who to call, if money has gone
- The free complaint ladder, all the way up to the RBI Ombudsman
- How fake "recovery agents" target people who have already been cheated
- A 10-point checklist to make your phone and accounts safer in one afternoon
- A chapter for sons and daughters protecting their parents
- Ready-made sentences to say on a scam call
- A fill-in-the-blanks letter to your bank
- A printable emergency card to keep beside the phone
Who it is for
- Anyone who uses UPI — even if you only use it to pay shops
- Senior citizens — the group losing the most money to these frauds today
- Women — one of the most targeted groups in reported cyber fraud
- People who aren't comfortable with technology — no jargon, nothing technical to learn
- Sons and daughters worried about parents living on their own
- Anyone who sells online, where fake-buyer scams are common
- Homemakers, retired people, small shopkeepers and first-time smartphone users
- Anyone who has already lost money and wants to know what to do next
About the author
Goutam Kr. Sen is an educationalist, humanist, and life & strategy coach based in Kolkata.
He writes practical guides in plain English for readers who are not comfortable with technology — people who use a phone every day but were never taught how the money inside it can be taken away.
This handbook grew out of a simple observation: most victims of online fraud are not careless. They simply never learned the trick being used on them.