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Digital Payments
Use UPI, QR codes and wallets safely and confidently.
Lesson 1
UPI & QR payments
Send and receive money instantly with your phone.
3 minutes
- UPI lets you send money from your bank using an app like Google Pay, PhonePe or BHIM.
- To pay, scan the shop's QR code, enter the amount, and approve with your secret UPI PIN.
- To receive, show your own QR code — the customer scans and pays you.
- Your UPI PIN is ONLY for paying. You never need it to RECEIVE money.
Lesson 2
Mobile wallets
A digital purse for small, quick payments.
2 minutes
- A wallet (Paytm, PhonePe wallet) stores a small amount of money for quick payments.
- Add money from your bank, then pay shops or recharge without entering bank details each time.
- Keep only small amounts in a wallet; keep the rest safe in your bank.
Lesson 3
Safe online transactions
Simple habits that keep your money safe online.
3 minutes
- Never share your UPI PIN, OTP, or card CVV with anyone — banks never ask for these.
- Check the receiver's name before paying. Send a ₹1 test for new sellers if unsure.
- Only download apps from official stores. Lock your phone with a PIN or fingerprint.
- If something feels wrong, stop. Ask someone you trust first.