Strengthening Trust in Digital Payments: NPCI's 'Stop, Think, Act' Initiative

The National Payments Corporation of India (NPCI) is focused on improving consumer safety in digital payments by promoting the ‘Stop, Think, Act’ principle. With the growth of digital transactions, NPCI encourages users to be alert and follow best practices to protect themselves from fraud.

The Unified Payments Interface (UPI) is a major force in India's digital transactions, making up 83% of total payment volume in CY-2024. In March 2025, UPI handled 18. 30 billion transactions, marking a 36% increase in volume and a 25% rise in transaction value from the previous year. UPI's adoption has grown at a rate of 74% over the past five years, establishing it as the largest retail payment system in volume.

UPI is known for both its convenience and strong security measures, such as device binding, which links a user’s account to a specific mobile device, preventing unauthorized access. It also uses two-factor authentication that involves verifying identity with a mobile number and UPI PIN before transactions.

Despite these security features, fraudsters still use social engineering tactics. NPCI advises users to apply the ‘Stop, Think, Act’ principle, which involves stopping before responding to unexpected requests, thinking carefully by verifying them through official sources, and acting wisely to avoid scams. Suspected fraud should be reported to the national cybercrime helpline (1930) or the National Cyber Crime Reporting Portal and to the user's bank. Users are encouraged to save evidence of scams to help authorities. By being informed, users can enjoy safe digital payments, while UPI works to ensure a secure experience for all in India.

 

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