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So you found a deal on Flipkart that seems too good. Or someone on Instagram is selling branded shoes at 80% off. Before you punch in your UPI PIN, let's talk about how to shop online without getting scammed -- because the tricks are getting really clever.

Fourteen billion UPI transactions a month and people are still entering their PIN to 'receive' money. Here's what nobody bothers to explain about collect request scams, fake helplines, QR code tricks, and SIM swaps — plus what actually works when you've already been hit.