Google Pay is a well known digital payments app in India. This app is free of cost and allows you to send and receive money and also you can pay utility bills through this. In this article, you will get to know about various Google pay scams and how to file Google pay fraud complaints and if after reading full article, you still have any query you can contact TAX ADVISORY without any hesitation.

With Google Pay, you can feel secured that your money is safe and secure. Google Pay is protected with a high-end security system that helps you in prevention of hacking and detects any kind of fraud instantly. You can also safeguard your Google Pay account with a screen lock and that can be either numeric (such as a passcode) or biometric (such as your fingerprint).

Google Pay is built on the Unified Payments Interface platform. With an UPI-enabled wallet, you can transfer money to the recipient without needed their bank account details. You can use Google Pay for payment and for getting money instantly using your existing bank accounts.

Google Pay Scams

Here are some UPI scams or UPI frauds through which fraudsters are able to make fraud transaction using apps like Google Pay and phone pay.

Request Money scam

It is one of the most common UPI fraud. This happens when a user of google pay receives a request to pay amount instead of receiving a payment, and isn’t paying enough attention to the transaction. OLX and Quikr are popular for hunting grounds for frauds using this scam. On apps like Google Pay, PhonePe, BHIM, etc., there is an option to request money from another person, which is like fraudsters taking advantage of. 

Cash back/ refund scam

This is an alteration of the Request Money scam, where the fraudster will call and present themselves as an agent of the bank or a major retail chain. She/ he make fool the user, that they have been awarded some cashback and ask them to accept it via any UPI app of your choice.

Remote access/ Vishing

UPI has an uncomplicated four-digit PIN to authorise transactions. The simplicity of this procedure also makes it simple for fraudsters to transfer funds from your bank to their accounts once they discover your PIN. One of the ways fraudster can do this is by accessing your phone remotely using apps like AnyDesk. 

SIM cloning

Another way fraudsters have been able to hack someone’s bank account is by cloning their SIM card without their knowledge. By cloning the number, the fraudster can receive OTPs, allowing them to change the victim’s UPI PIN and access banking apps and payments services like Google Pay, Paytm, and so on.

Fake helpline numbers

This is a fast-growing UPI scam these days. When you search for something innocuous, like the phone number of courier service or a local restaurant, Google may show a listing that is unverified and actually belongs to a scammer. The scammer achieves this by optimising the website for social media as well as by registering as a business on multiple platforms to convince users (and Google) of its authenticity.

SMS forwarding scam

This is a relatively elaborate scam in which the scammer will ask you to send an SMS from your phone in order to authenticate an order or to process a refund, etc.

Google Pay Frauds– Things to remember

Here are some guidelines that Google Pay has provided to you, which you should always keep in mind.

1. Your UPI PIN is only required to send money and for checking balance. Receiving payments required no UPI PIN. In case someone asks you to enter your PIN, it means you are approving for an external payment, which means you are transferring money from your bank account.
2. Do not share the OTP you receive to log into your Google Pay account.
3. Do not make a financial transaction — be it a recharge, bill payment, or anything else while distracted.
4. Do not share sensitive personal details on social networking sites.
5. Do not transfer funds without validation of a person’s identity.
6. Do not use screen sharing apps when you are making a transaction.

 Guidelines to make your Google Pay payments safe

1. You should keep your UPI PIN secret: Your UPI PIN is just like your ATM PIN. Do not share it with anyone.
2. Keep your Google Pay log in OTP a secret. Do not share it with anyone.
3. Only download trusted app: Harmful apps like screen sharing apps can access personal information that you enter on your screen.
4. Be cautious of sharing your UPI PIN on websites or forms sent to you via a link.
5. You don't need to enter your UPI PIN to receive money: Entering your UPI PIN means you are paying someone. Pay attention to which direction your money is moving.
6. Only use your payment app to reach customer care Find genuine support details in the Help/Support section of your Google Pay app. Avoid untrusted numbers which may be listed on the Internet.

Ways to Complaint to the Digital Payment Ombudsman?

google pay fraud complaints can be make in following ways;

1. The Reserve Bank of India has build up an autonomous authority to deal with problems related to digital transactions. The Digital Payment Ombudsman has the authority to listen and decide your case.
2. You can raise your case if the grievance redress provided by Google Pay is not sufficient. For doing so, first of all, you need to find out the ombudsman in your location who will handle your matter. Once you find out that, you can visit to the office and submit your case details.
3. If you have proper documents and supporting evidence, it will help you in speed up your case- make sure you provide everything to the ombudsman.
4. You can receive Rs 1 to 20 lakh depending upon the discretion of the ombudsman. If you’re still not satisfied, you can lodge a google pay fraud complaints to the Deputy Governor of RBI who’s in charge of supervise the ombudsman.
5. Another approach that you can adopt is to lodge a complaint or to get a refund from Google Pay is to raise your issue via Resolver. You can also submit, manage and raise your complaint to the Digital Payments Ombudsman via Resolver.

How to get Refund from Google Pay

1. Merchants registered with Google Pay manage refund and unsuccessful transactions. Google Pay will not initiate a refund, itself. Somewhat, a trade with which your transaction take place, process the refund.
2. For this, you need to make contact with the business and give them with a few facts related to the transactions. Be aware that you share least details and that you only speak to the merchant directly.
3. Once all the official procedure complete, you’ll get your refund within an hour. At max, Google Pay should resolve your concern within 30 days.
4. There are some cases, where, the merchant needs to start a refund without making a request for the same.
5. Some businesses recommend cashback and discounts if you make a payment via Google Pay. In case you can face an issue here, simply contact the business to lodge your grievance.
6. If the business fails to resolve your problem, you can submit a report to Google Pay about this. But, these will not assurance a resolution.

If you find any unauthorised or suspicious activity taking place on your account, you can directly raise an issue with the Grievance Officer. This can be done by filling a form on their portal.

Conclusion

After reading all this, if you still have any query regarding how to make Google pay fraud complaints or any online transaction fraud in India you can contact us without any hesitation. TAX ADVISORY is India’s leading legal service provider. The team tax advisory will give you proper guidance and helps you in overcoming, any fraudulent transaction made via Google pay. You just need to contact us directly on 9193555055 or you can also visit www.taxadvisory.in.

Disclaimer

We are not Cyber Cell, RBI or any other Government or Wallet Organization. We are legal Advisory and we will help you in recovering the Fraudulent Google pay transaction.