Digital payments have made life easier these days, but cases of online fraud have caused widespread distress. Many times, people transfer money via UPI to an unknown number, only to later discover it was a fraud. Addressing this threat, PhonePe has taken security to a new level and introduced PhonePe Protect. This feature has emerged as a personal security shield for your money in the digital world. The app will immediately alert you as soon as you attempt to make a payment to a suspicious or fraudulent number.

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What is PhonePe Protect?

PhonePe Protect is an advanced secure payment feature that protects you from online fraud. This system uses data linked to government databases to determine the reliability of a mobile number. If the number has been involved in any financial fraud, the app blocks the payment or displays a warning.

How does this feature work?

PhonePe has started using the Department of Telecommunications’ (DoT) Financial Fraud Risk Indicator (FRI) data. FRI is a government tool that monitors mobile numbers that have been involved in financial fraud. As soon as you are about to make a payment, the system immediately checks the number and displays an alert on the screen if a risk is detected.

Alerts based on risk level

Under this feature, numbers are categorized into different risk categories. If a number is listed as Very High Risk in government records, PhonePe will block money transfers to that number and provide a reason. However, if the number falls under the Medium Risk category, the user will be shown a warning, leaving the user with the decision to send money.

Help Control Fraud

This move by PhonePe will provide a new direction to security in the digital payments sector. This feature could become a significant shield amid rising fraud. When people become alert as soon as they see a suspicious number, there will certainly be a significant difference in fraud cases.

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Your digital transaction watchdog

PhonePe Protect is not just a feature, it’s set to become a trusted security companion in the digital transaction world. Users can now make online payments without fear, receiving security alerts every time, virtually eliminating the possibility of sending money to the wrong number.