What Are QR Code Scams?
QR codes have made digital payments incredibly simple—but also opened the door for scammers. In a typical QR code scam, fraudsters trick users into scanning fake codes, leading to unauthorized money transfers, identity theft, or malware attacks.
With India's growing reliance on UPI and QR-based payments, such scams are on the rise.
How QR Code Scams Work
1️⃣ Fake QR Codes for Refunds
Fraudsters pose as sellers or support agents and send a QR code, claiming you'll receive a refund if you scan it. But in reality, money is debited from your account.
2️⃣ Stickers on Real Merchants
They place their own QR code stickers on top of a real shop’s QR code. So, you think you're paying the shopkeeper—but you're paying the scammer.
3️⃣ Online Product Sales
Scammers list fake products on OLX or social media. After agreeing on a price, they send a QR code claiming it’s for receiving payment—but it’s actually a request for payment.
4️⃣ Malware Links
Some QR codes, especially printed in public spaces or sent via messages, install malware or phishing links that capture your personal and banking data.
How to Scan Smart & Pay Safer
✅ 1. Never Scan to Receive Money
You don’t need to scan a QR code to receive money. That’s always a red flag.
✅ 2. Double Check the UPI ID
Before hitting pay, check the name or UPI ID linked to the QR code. If it looks unfamiliar, cancel immediately.
✅ 3. Avoid Unknown QR Codes
Don’t scan random QR codes found in public places, WhatsApp forwards, or emails. They could be malware traps.
✅ 4. Stick to Official Apps
Always use verified UPI apps (Google Pay, PhonePe, Paytm, BHIM, etc.) and update them regularly for security patches.
✅ 5. Be Cautious on OLX & Marketplace Deals
If someone insists on sending a QR code to pay you—don’t trust it. Ask them to send money via UPI ID instead.
✅ 6. Enable App Lock & OTP Alerts
Protect your UPI apps with app locks and keep transaction alerts ON to detect any unauthorized activity.
Real Example
Shruti from Mumbai tried to sell her old sofa online. A buyer sent a QR code “to pay ₹5,000 upfront.” She scanned and approved the request—₹10,000 was debited from her account. It took her months to file a cybercrime complaint and recover the amount.
FAQs
1. Can someone steal money by scanning my QR code?
Not directly—but if they get you to scan their QR code, money can be debited from your account if you approve it.
2. How can I verify a QR code before scanning?
There’s no visual way to verify it. Scan only from trusted sources—and always confirm the receiver’s name before paying.
3. Are QR code scams illegal?
Yes, they’re punishable under cybercrime laws. Report to cybercrime.gov.in if you’re a victim.
4. Is it safe to use QR codes in India?
Yes, QR codes are safe when used wisely. Scams occur due to user negligence or social engineering.
Final Thoughts
QR codes make transactions fast—but scammers are faster. As Digital India grows, digital hygiene is no longer optional. Scan smart, verify everything, and never approve blindly. What looks like a harmless square could cost you more than just a payment.
Published on : 31st July
Published by : SMITA
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