UPI-friend or foe UPI- Unified Payments Interface ( UPI ) is a system that powers multiple bank accounts into a single mobile application (of any participating bank), merging several banking features, seamless fund routing & merchant payments into one hood. The era of latest generation has made us advanced in all aspect so now the cash is replaced by digital means as if the card payment, NFC, UPI has made the transition more easy and convenient. In the last few months from October- December, UPI based transactions have hit a landmark of more than one billion transactions. Though money transferring has been technically advanced, fraudsters have also evolved different ways to wipe out of the hard-earned money. UPI or Unified Payment Interface is a method to make payments digitally and is most spreading form of transfer, and can be found manly with youngster. This method is a comparatively recent speeding into the digital payments space as compared to other met