At Google Pay, user security and fraud prevention form the bedrock of our operations. We invest heavily in building state-of-the-art safety infrastructure that is scalable and resilient, and collaborate closely with banks and the broader ecosystem to support the massive growth of UPI. A key component in delivering real-time threat detection and mitigation is integrating information from a variety of authoritative systems like NPCI’s Enterprise Fraud Report Management (eFRM) and Chargeback System, 1930 helpline data from National Cybercrime Reporting Portal (NCRP), Law Enforcement Agency (LEA) reports, and the Department of Telecommunication's Fraud Risk Indicator (FRI) initiative. By integrating with these systems, we not only comply with statutory requirements but also enable world-class fraud detection for millions of Indian users and businesses.

Beyond these initiatives, we continue to proactively implement powerful and effective fraud prevention systems by leveraging the best of our AI, for every single transaction. Our systems analyze transaction patterns across billions of data points, and prevent scams worth over ₹1100 crore every month, while delivering personalized, language-tailored warnings that safeguard users during crucial moments. We have been using enhanced fraud protection with SafetyNet for many years, which secures Google Pay with advanced fraud models that is backed by Google’s world-class authentication platform, ensuring robust protection against fraud attacks while enabling quicker identification and suspension of fraudsters.

We remain a committed partner in helping drive India’s leading-edge payments momentum, while enabling safe digital transactions at scale.