If you use Google Pay or Phone Pay for banking, then you know that there is a special facility inside it. UPI transfer through which we can easily do banking by just clicking. It is quite simple but along with this the complaint of Google pay fraud has also increased.
Google has taken very strict steps regarding Google pay fraud protection, in which special provisions have been followed regarding security. As a digital wallet, one question comes to our mind Does Google pay have fraud protection?
And how can Google pay frauds complaints be made in case of any fraud. What steps has been taken by Google to stop Google pay scams, all will be known in this post.
Bhim app was launched for the first time under the campaign of Digital India. After that both Phone Pay and Google Pay came into existence which over time started providing many facilities to make banking easier. UPI transfer is such a facility in which we can easily transfer money to any person by just one click and PIN verification.
Taking advantage of this, fraudsters loot innocent people, especially those who sell online by fooling them. Banking becomes very easy if some general guidelines are followed while transacting through Google Pay or any digital wallet.
What is Google pay scams?
Google launched its payment wallet on the campaign of digital India. Earlier, where we had to make rounds of the bank for every kind of transaction, now we are able to do this work easily through our mobile app. Not only Google pay, phone pay, paytm have become the most popular as a payment wallet. You do not need to carry money with you, just use a digital wallet and make the payment, but is it safe.
Actually, while making them, care was taken that you have to give minimum time while using them. This is one of the reasons that with just one click, money can go from your bank account to someone else’s account.
In the earlier times, during this time, the people of cybercrime used to entice people to get information related to the bank, especially information related to ATM, but today it has become so easy that people can mislead you in just 5 minutes in a pinch. You can clear the bank account.
How does Google pay fraud and scam done through online?
Let’s have an example of Olx fraud Google pay.
Mohan had uploaded the information on the OLX website for the purpose of selling a camera. After some time a call came from a person that he was willing to take his camera. Mohan also beware about Google pay scams and its complete process.
Mohan wanted to give him the information related to the camera but he talked about giving 4000 final price of 4500 camera. He did not talk about how old the camera is or any other information related to it. Where did he send your Google pay QR code to me, I transfer money to you.
Mohan found it a bit odd because how can a person be ready to pay him so soon, especially when it comes to selling a used product.
He sent the QR code to that person and within a short time he got a message which was like this.
Mohan got upset, he called what are you doing. Instead of sending money, you are asking for me. That person said that you just have to click on payment and money will be deducted from my account and will come to your account.
Mohan sensed her cunning and hung up the phone while explaining to her.
This whole process is so easy that you yourself will be able to understand whether you are getting money or being asked from you.
If you click on payment in a hurry, then the money from your account goes directly to the account of the other person.
Does Google pay have fraud protection?
Whenever a person adds a new credit or debit card to the Google Pay app, Google sends it directly to the card issuing bank. The bank verifies all the details of the customer through the process of identity and verification (ID&V) whether he is eligible to digitize their card or not.
If the card is with another person, even then he will not be able to use it directly because the bank completes all the necessary additional authentication steps before using the card, then only that card can be used or else not.
Google pay scams is not so easy and you are safe from online fraud until you give them permission to pass authentication.
The way your current credit and debit card transactions happen, Google Pay transactions happen in which there is no hidden charge in any way. This application is for our convenience.
Same liability rules and chargeback policies apply for any kind of merchant, so if there is any kind of chargebacks on transactions during Google pay transaction then they can follow the dispute regarding it. It is safe in both the cases.
Even if there is an incident like chargebacks on transactions in any situation, then the card issuing bank is fully responsible for it and solves any problem related to it through evidence.
How secure is a Google Pay transaction?
Till now it is believed that Google pay app or any other popular android application like Phone pay which acts like e-wallet is completely secure. Whatever your details Google receives, it keeps it safe in one of the secure servers. Scammer mostly prefer Google pay scams because of its interface is so easy.
Whenever you use Google Pay app, your full credit or debit card detail is never shared with anyone, neither is it saved in your phone nor is it shared with any merchant when you Google pay app does the transaction. You should know about Google pay fraud protection.
Whenever the transaction is done, the complete details related to that payment are displayed on our phone, in which the payment made and every information related to its which you should know is visible on your phone. This transaction is successful only when you confirm it.
Very few people know that Google also allows you to lock your phone if it is lost or misplaced so that no one can misuse your phone and the data inside it.
To avoid Google pay scams or any data loss you have to use remote device manager through same login id and use facility like lock the phone or remote factory reset.
Contact Google Pay support
If you are facing any kind of problem in using the application, then you can access its Help Center anytime. to get help online
- Select the Google Pay Help Center option in the application, this choice is in the right top corner.
- In all the options shown there, select the option according to your problem.
- Now read carefully the topic and suggestion related to the problem shown there, in most of the cases this problem gets solved. If this is not happening, then you can also take suggestions by choosing other option and writing your problem there.
Request a call back or chat
If you face any Google pay scams or fraud or have any problem whose solution you have not found in the application or you want to solve it through call, then you can choose Request a call back or chat.
This contact toll free number can be found in your Google pay application itself. For this, you have to keep the following options in mind.
- Open the Google Pay app Open the Google Pay application.
- Tap Settings Go to Settings option
- Help and feedback Select the Help and Feedback option there.
- Tap Request a call back or chat Select the option like call back and chat shown here.
- Dial 1-800-419-0157 for Google pay application toll-free help line number.
Google pay fraud protection top 5 tips to follow
Any UPI apps like Google pay, phone pay or paytm use a special feature for all these transactions which is known as Unified Payments Interface (UPI) application. This special feature makes the transaction process easy for you by minimizing the payment steps.
If you have read about Google pay scams and fraud protection tips then you know that this type of work is mostly done on online selling website like OLX, quicker. The biggest reason for this is the sale of the used article.
The purpose of such a website may be to help people, but for some people it has become a source of their livelihood.
People get a call in which the person in front accepts your conditions without any condition but he can make payment only through Unified Payments Interface (UPI) application like Google pay, phone pay.
You send your code to him but soon he scans it and sends you a request for money.
The thing to know here is that we do not need any kind of PIN to receive payment, whereas PIN verification is necessary to make payment.
In such a situation, whenever you get a message related to the request for payment, it asks for the PIN. If you keep Google pay fraud protection in mind, then you can avoid online fraud.
Let us know about 5 such safety tips by following which you can avoid Google pay fraud.
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Beware of engaging with fraudsters
If we look at the National Payments Corporation of India (NPCI) data, then we will find that the figure of UPI transactions was 79.95 crore in March 2019. It was going on. With such a huge figure, we should become aware of fraudulent transactions.
If you are selling something online then you should be careful about Google pay scams. Pay attention to such people when they easily agree to take your product without bargaining more than you and agree to payment as soon as possible.
It is worth noting here that it does not choose any other option for payment, but only asks for payment through Unified Payments Interface (UPI) application like Google pay UPI payment.
After sharing the UPI ID or code with the other person, you will receive a message related to payment through Google pay or phone pay. You need to be most careful here because people happily accept it without reading it, after which they ask you for PIN verification and in a jiffy the money from your account goes to the front.
The process of PIN authentication happens only when you send money to someone. Avoid UPI transaction as much as possible if you are selling something online.
Be alert to transfer requests on UPI
Applications like UPI apps such as Bharat Interface for Money (BHIM), Google Pay, Phone pay, have the ‘request money’ option, which the fraudsters take advantage of.
For this, cheaters connect with people selling online products on phone calls and ask them to pay through UPI apps’ ‘request money’ option for payment.
The biggest reason for the Google pay scams was that the process of payment was simple but in which direction it was being done, it was not shown. After understanding this point, Google has added some additional feature to it.
If you have a request for UPI based payment, then the arrow direction will tell you whether you are paying or you are getting payment.
If someone is sending you a request by joining your Google Pay, then the application suggests you at the very beginning what you should do. If you want, you can block it, continue or report it.
Apart from this, during payment, it suggests you that the payment you are making may be spam.
Such options and tips can prove to be useful to save you from being a victim of fraud.
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Limit third-party access to your mobile screen
You can also control Google pay scams with few tips. If you are using this type of banking application in your mobile phone, then you have to be careful with third party application as well. Many such invasive technologies have come at this time which if not handled carefully can cause you great harm.
In the recent past, people have complained that banking is done automatically from their phone and alerts are also ignored. When it was checked, an unsafe application any-desk was found in the mobile.
This application gives full access to your mobile to the front. If you do banking from mobile then you need to be careful about free screen-sharing apps such as Any-desk, Team-viewer and Screen-share.
This application is to be used only for technicians, through which they can solve the problem coming in your mobile from remote location, but fraudsters can use it to hack your phone and steal details and use it for banking.
If you are giving access to your mobile to an unknown person through a remote view application, then be careful. Especially keep watching his activity carefully to see what he is checking. You can stop Google pay scams easily if you were careful about smartphone security.
Google play store also warn user about some application that access your full privacy and modification setting. Team viewer, any desk are such application that access remote control and modification.
Counterfeit UPI apps galore
It is now easy to steal your data by copying everything. People are often deceived by similar names and become victims of fraud. When Bhim apps were launched in UPI apps on Google Play and Apple apps stores, people started getting complaints that they are becoming victims of online fraud.
When it was investigated, it came to the fore that like the BHIM app, many Counterfeit UPI apps were in the Google play store at that time which was misleading the people. Action was taken on this and all the fake applications like Modi Bhim, Bhim Modi App, BHIM Payment-UPI Guide, BHIM Banking guide, Modi Bhim were all removed from Google Play Store.
We often download applications from Google Play but never pay attention to what kind of permission it is asking for from us. If an application is unnecessarily working in the background again and again or is reading your contacts and messages, then be careful.
You can check if there is any Google pay scams affect your privacy by going to permission management, which app is active for how long and what is the activity doing in your phone.
Avoid fake helpline numbers on social media
Some time ago UPI customers wrote on twitter about the issue related to redeeming offers, availing cashback, money transfers, initiating refunds. Unfortunately some people complained that they are not getting the solution of the problem properly. It would have been great if there was a helpline number for this.
Fraudster’s eyes are on such an issue so that he can reveal himself to be the problem solver and get the sensitive information of the user such as credit / debit card details and the OTP details that the user receives on his phone. Could.
If this ever happens to you and you need helpline, then contact through official account only. No official person asks you about your sensitive information. If someone asks, do not tell him, but show caution and break the connection.
Google pay scams and UPI Pin Control
There is no doubt that UPI has not only made payment transactions easier for the consumer but has also given a new direction in a cashless manner. Easing the transaction between two bank accounts through mobile only has proved beneficial for the people as it gives them 24*7 hours control over banking and also got rid of long lines.
All this is for your convenience, you just need to follow some general guidelines during all kinds of digital payments. Be careful about your financial information and do not share information like OTP, Pin with anyone.
Not only this, do not share your OTP message with anyone. Doing so will be an opportunity for fraudsters to authenticate fraudulent transactions. If you want to be safe then use it with caution because it is safe but you need to follow its instructions carefully.
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Google pay scams and fraud protection final conclusion
Now a time, online facility saves us from the hustle and bustle, but due to our carelessness, it also causes a huge loss. Most of the fraud on digital wallet is Google pay fraud because people consider it safer.
Although it is safe and strict steps are also being taken regarding Google pay fraud protection but still most of the people do not know about it.
If you read about this type of fraud, then somewhere in your mind Does Google pay have fraud protection? Like the question will surely come. Google has provided the facility of Google pay frauds complaints, which if you follow then Google pay scams can be stopped.
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