A recent incident in the scooter market of Mohali (Phase 7) highlights the emerging dangers of digital payments. Scammers surreptitiously replaced legitimate QR code scanners at mechanics' shops overnight, redirecting payments to their own accounts. Mechanics discovered in the morning that while customers had made UPI payments via mobile, they hadn't received the money. Investigation revealed that counterfeit QR codes had been affixed, diverting payments to the scammers' personal accounts.
Specific Details
Mechanics Mani Singh and Rajesh Kumar were affected, each losing ₹300-₹500. While Union traced the name and mobile number registered on the QR code, the accused denied involvement when contacted. The Mandi Association has announced filing a police complaint, though authorities are yet to register an FIR.
Why This is a Major Issue
Firstly, QR code scams are no longer confined to online platforms; they are now affecting offline businesses. Rajasthan Police had also issued an alert regarding similar QR code fraud—incidents of fake codes being affixed to shops are on the rise. India witnessed 40,000+ registered QR fraud cases in 2024, with the number expected to increase in 2025.
Preventive Measures
- Shopkeepers: Secure QR codes in protective casings, remove them at night, and conduct regular checks during the day.
- Customers: Verify the beneficiary's name before making a payment—an upcoming NPCI update, effective June 30th, will introduce this feature in UPI payments.
- Government/Police: Increased night patrolling and dissemination of scam warnings are crucial.
This case demonstrates that the ease of digital payments is paralleled by increasingly sophisticated cyber frauds. Small mechanics and businesses bear the brunt of the losses. Timely precautions by government agencies and market associations can help mitigate this growing threat.
