Can someone steal money just by knowing my UPI ID?

No — your UPI ID alone cannot debit your account. But scammers use fake collect requests and lookalike IDs to trick you into approving a payment, so always verify the recipient before paying.

How do I spot a fake QR code?

All UPI QR codes are debit-only. If a 'cashback' or 'refund' agent asks you to scan a QR to receive money, it is a scam. Upload the QR here and we will decode it and check the receiving UPI ID against our scam database.

Do I need an account to use the UPI checker?

Basic checks are available today without an account; some advanced features may need an account in future. Check UPI IDs and QR codes.

What should I do if I already paid a scam UPI ID?

Immediately call your bank and the National Cyber Crime Helpline at 1930. File a complaint at cybercrime.gov.in within 24 hours for the best chance of recovery.

UPI ID & QR Code Scam Checker

Verify any UPI ID, payment link, or QR code before you pay. Built for PhonePe, Google Pay, Paytm and BHIM users in India.

Open the Checker

How It Works

Paste the UPI ID or upload the QR — Drop in any UPI handle (e.g. name@oksbi) or upload a screenshot of a payment QR code.
AI cross-checks our scam database — We match against 10,000+ flagged Indian UPI IDs and known QR-code phishing patterns.
See an instant verdict — Get a clear Safe / Suspicious / Dangerous rating with the reason explained in plain language.

What We Detect

UPI IDs reported in past payment scams
Fake "collect request" QR codes that debit instead of credit you
Lookalike merchant handles (e.g. flipkart-care@ybl, sbi-refund@oksbi)
QR codes embedded in screenshots shared via WhatsApp
Investment, KBC and refund-scam UPI handles
Charity and disaster-relief UPI scams

Frequently Asked Questions

Can someone steal money just by knowing my UPI ID?: No — your UPI ID alone cannot debit your account. But scammers use fake collect requests and lookalike IDs to trick you into approving a payment, so always verify the recipient before paying.
How do I spot a fake QR code?: All UPI QR codes are debit-only. If a 'cashback' or 'refund' agent asks you to scan a QR to receive money, it is a scam. Upload the QR here and we will decode it and check the receiving UPI ID against our scam database.
Do I need an account to use the UPI checker?: Basic checks are available today without an account; some advanced features may need an account in future. Check UPI IDs and QR codes.
What should I do if I already paid a scam UPI ID?: Immediately call your bank and the National Cyber Crime Helpline at 1930. File a complaint at cybercrime.gov.in within 24 hours for the best chance of recovery.