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The time Rajat almost lost INR 80,000; here’s how to be sure that your online transactions are legitimate


A Mumbai-based man was left baffled after a close encounter with getting scammed for using QR Code the wrong way to sell his DSLR camera. Rajat, 32, put his high-end camera up for sale online and was contacted by Sumant, who expressed his willingness to buy the camera for INR 80,000. He then forwarded Rajat a link to a Quick Response (QR) code to transfer the payment. Rajat happily scanned the code and entered the required passcodes as told by Sumant. However, he then received a message from his bank app “ Pay Rs 80,000 to Sumant”- as he had activated
Airtel Safe Pay. That’s when Rajat realised it was a scam, and he had just been narrowly saved. He immediately cancelled the transaction and called the cybersecurity cell to make a formal complaint.

Unfortunately, the internet is being used commonly to commit fraud, and criminals are becoming smarter with their hacking techniques -the above being one of the latest examples. In this particular case, most people are unaware that money is not received but sent by scanning a QR code, so QR codes shared by anyone should not be scanned unless the objective is to pay.

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Here are a few hacks to keep the intruders away and your data and money safe:

1. Use anti-virus software & strong passwords


Shield your data against bugs, malware, and other malicious software threats by installing the latest security software, web browser, and operating system and setting strong passwords.

2. Beware of phishing scams


Do not open attachments, links, or pop-up screens; download any apps you cannot trust that come through suspicious emails. Also, don’t let anyone install any app on your phone; it might give them access to your devices.

3. Keep personal information personal


Avoid posting personal information, like your birthday, nicknames, personal account info, boarding pass, ATM PIN, etc., online. Anybody promising cashback or other rewards in lieu of a fee is a red flag.

4. Shop safely


Make sure your favourite website uses secure technology. Authenticate that the web address begins with HTTPS and go ahead with your payment only if the tiny, locked padlock symbol appears beside the page URL. If you would like to go the extra mile, read the site’s privacy policies.

5. Choose Multi-Factor Authentication (MFA) for financial transactions


Here, if one factor is compromised or broken, the fraudster will still have to cross at least one or more barriers to breach. Just like a third-factor authentication by
Airtel Safe Pay shielded Rajat from losing his hard-earned money and precious possession. It uses Airtel’s Network Intelligence to send real-time alerts to your mobile number, and you will not be charged for responding to them. It works on NetBanking and UPI transactions and provides real-time confirmation alerts. Airtel Safe Pay also safeguards your privacy as there is no exposure to your primary account, and you use an Airtel Payments Bank account for your transactions.

Just get an Airtel Payments Bank account linked to your Airtel number and enable Airtel Safe Pay for your account on the Airtel Thanks App. Whenever required, transact using your Airtel Payments Bank account by entering transaction amount, mPIN, etc., authorise the transaction alert you get on your phone, and voila, your transaction is complete without a sweat!

Disclaimer: This article has been produced on behalf of Airtel Payments Bank by Times Internet’s Spotlight team.

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