How to Use UPI at Petrol Pumps Securely

Why UPI is widely used at petrol pumps

Petrol pumps are one of the most frequent real-world use cases for UPI due to high transaction volume and the need for quick payments. Customers prefer UPI because it eliminates the need for cash and speeds up the refueling process. However, because transactions happen in a fast-paced environment, security risks can increase if users are not careful.

Understanding the payment flow at petrol stations

Typically, the attendant displays a QR code or provides a payment request. The user scans the QR or enters the amount manually, verifies details, and completes the payment using their UPI PIN. This process appears simple but leaves room for errors if not carefully handled.

Common fraud scenarios at petrol pumps

Some common issues include fake QR stickers placed over original ones, incorrect payment amounts entered by attendants, or users accidentally approving collect requests instead of making payments. In high-pressure situations, users may skip verification, leading to incorrect payments.

How to verify payment authenticity before paying

Always check the merchant name displayed on your app before confirming payment. Ensure that the QR code belongs to the petrol pump and not an individual account. Avoid paying through links or unknown collect requests.

Best practices while making payments

• Enter the amount yourself instead of relying on the attendant
• Avoid sharing your screen or PIN
• Always wait for confirmation before leaving

These small steps significantly reduce risk.

Handling failed or delayed transactions

If payment status is unclear, check transaction history before retrying. Avoid double payments by confirming whether the first transaction was successful.

Why awareness matters more than technology

UPI systems are secure, but user awareness is the strongest defense against fraud. Practicing basic verification habits ensures safe transactions.

UPI transactions are governed by NPCI guidelines. Stashfin is an RBI-registered NBFC.