The Collect Request You Did Not Initiate
Someone sends you a UPI collect request, sometimes for an amount as small as ₹1, sometimes for exactly what you're owed by a stranger online. The request looks identical to a legitimate one. The difference is that approving a collect request sends money out of your account. Scammers rely on the confusion between "collect" and "receive." Approving is paying. If you did not initiate a transaction with a known party, decline every collect request without exception.
