Trust & Safety
What can I do to keep my
transactions safe?
1. Never share your UPI PIN, OTP, and credit/debit card details with anyone
2. Never enter your UPI PIN to receive money on uPay
3. Never download third party apps, such as AnyDesk and TeamViewer at the request of unknown callers
Your safety
Secure from the start
Every transaction on PhonePe needs your fingerprint/face ID, UPI PIN and password for authentication.
Payment Privacy
Only you and the person you are transacting with will be able to see the details of your payment.
Risk assessment
Our security teams monitor all transactions in real-time to block any suspicious activity. We also report fraud complaints & block fraudulent users from accessing the PhonePe platform
Partners in protection
To aid safe transactions, we have partnered with cyber-crime cells of government law enforcement and security agencies, such as National Cybercrime Portal, CyCord and CyberSafe.
Security
1. Encryption and Secure Infrastructure:uPay uses industry-standard encryption to secure your payment information. It employs advanced security measures to protect data transmission and storage.
2. Payment Tokenization: uPay uses tokenization, which replaces sensitive payment information (such as credit or debit card numbers) with unique tokens. This ensures that your actual payment details are not stored or shared during transactions.
3. Two-factor Authentication: uPay provides an added layer of security by supporting two-factor authentication methods like biometric authentication (fingerprint or face recognition) or a PIN code for accessing the app.
Find out more about uPay Instant safety
Is it safe to transfer money through uPay?
Yes, it is 100% safe to send money using the uPay app. The details of your transaction can only be seen by you and the person you are sending money to.
Is the uPay app safe?
Yes. uPay uses a blend of cutting-edge technology and strong fraud & risk processes to make every user's experience on the app safe and secure.
How secure is my information on uPay Instant?
As soon as you register on uPay, your number is validated via an OTP. There is an mPIN or Password setup for all UPI transactions. Also your login from any device is validated through an OTP verification.
Is it safe to add a bank account on uPay?
Adding a bank account on PhonePe is 100% safe & secure.
