Start with the phone
Your payment security begins with the device. Use a strong screen lock, keep the operating system updated, and avoid installing payment-related apps from unofficial sources.
Protect one-time passwords
Never share OTPs, PINs, or card codes with callers, delivery riders, shop staff, or social media accounts. Real support teams should not need your full password or one-time code to solve a complaint.
Review transactions regularly
Check notifications and statements often. Small unauthorized deductions are easier to catch when you review activity every few days rather than waiting for the end of the month.
Use limits thoughtfully
Set transaction limits that match your normal use. Higher limits may be convenient, but they increase exposure if your phone, SIM, or account is compromised.
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