UPI

Online shopping can be tricky sometimes, but if you stick to some simple tips, you’ll be just fine.

First off, always use trusted websites and UPI apps for extra safety.

Check for that little lock icon in your browser; it's a good sign that you're in a secure place.

If you're picking something up locally, try to meet in public places that feel safe.

Only pay after you’ve had a look at the item and are satisfied with it.

It’s best to skip direct bank transfers at first to keep things less risky.

For a daily card that covers fuel, food, and UPI, the HDFC Tata Neu Plus or HDFC UPI RuPay cards are great because they offer solid rewards and easily link to apps like PhonePe.

Other good options include the IndusInd Platinum (usually lifetime free) and the Axis Bank SuperMoney RuPay, which offers 3% UPI cashback. Since fuel rewards can be tricky, you might want a dedicated fuel card separately to achieve the best returns at the pump.

You’re totally right. The big problem is that "tap-to-pay" relies on Google's technology, which isn't available on GrapheneOS. You can still use PhonePe or BHIM for QR codes and UPI transfers, but NFC payments at stores probably won’t suffice. Many Indian banks haven’t rolled out their own NFC solutions yet. Some people manage to get UPI to work using sandboxed Play Services, but it’s quite hit or miss. If you’re looking for straightforward tap-to-pay, GrapheneOS could be a bit of a hassle.

Totally get it — UPI apps in India are really pushing loans and ads lately, and it’s super overwhelming. If you want a cleaner experience, try using BHIM or your own bank’s app (like YONO or iMobile). They tend to have considerably reduced spam.

Also, dive into your phone settings to manually disable those promotional notifications. Until the rules change, picking a simpler app and being strict with your settings is the best way to stay sane.

In India, you can't truly stay 100% anonymous on UPI. Due to RBI rules, every account must be linked to your ID and bank details (KYC). While you can use tools like virtual IDs to hide your name from the person you’re paying, the bank and the government can still see exactly who you are. Just be careful not to use any 'workarounds' that violate the rules, as that can lead to legal trouble.

Yes, the BHIM app offers features like transaction history and QR code payments. There is a new updated version, BHIM 3.0. This update includes BHIM Vega, which lets you pay directly within apps. Additionally, it may have features to assist merchants in better viewing and comprehending their transactions.

Apart from Phone—Pay, Paytm, and Mobikwik are the apps that do not charge any fees for adding money to your Paytm wallet using a credit card.
Although Paytm and MobiKwik are generally known for not charging fees, it is always best to check the terms and conditions of any wallet, as charges may vary.

Yes, GPay automates monthly bills and subscriptions. Use "Bill Payments" to pay bills and manage subscriptions within linked apps. To cancel, stop automatic payments in GPay or the service app.

First, always confirm the recipient number with name before any transaction or start your payment with 1 rupee to check the right account. If by mistake you send the money to the wrong account, then follow these steps to get your money back:

Try to contact the recipient and request to send the money back. Use the Request Money feature of Google Pay to get the money back. Note all the details and history of the transaction and contact your bank or call your bank customer services. If the bank does not provide you with any support then complaint a file with NPCI at https://www.npci.org.in and go to UPI Dispute Redressal Mechanism. If you suspect fraud then file a complaint at https://cybercrime.gov.in/.

Is there any other app that provides excellent cashback offers? I am using GPay, and I am not getting any beneficial offers on it.

The National Payments Corporation of India (NPCI) guards your data to be stolen as NPCI implements robust security standards to ensure the safety of digital transactions, by providing three-factor authentication, encrypted transactions, and access control, which makes it safe for use. So you can simply use the BHIM app to pay your bills.

Thanks for your reply. I recently updated my phone number with the bank, something I hadn't done before. Now it's working fine, and I got the OTP successfully.

This is a technology issue with Amazon and Gpay. As you said, you spoke with Amazon and Gpay, but their responses were unsatisfactory. File a complaint on the National Consumer Helpline (NCH) website ([email protected]) or call on their toll-free number 1800-11-4000 or 1915.

Hi

Contact your bank or visit the bank. Check the status of your account, like whether your contact number is updated or KYC is done. May be your account is frozen. And tell them to unfreeze the account. Just do some transactions (deposit some cash), and your account will be operational again. Then try to link your bank account to GPay.

If the money was debited from your account, and the contact number on which you transferred the money, which is not linked to their bank account, that means money is send to the wrong account.

Tell your sister to contact to Phonepe customer service term and share your issue. They can easily track the transaction. They can initiate the refund process. Also contact your bank and inform them about the refund and let them know it was an unauthorized action.

Bank of Baroda and Axis Bank offer Rupay credit cards, but linking them to UPI isn't currently supported. Just check with your bank directly to see if there are any planned updates for UPI compatibility.

By submitting new KYC documents reflecting your genuine identity, you can simply change your name on Paytm account. While doing all this just make sure , your actual name shows on all the documentation.
Paytm customer support can help you with all these process.