Tap or scan? Understanding contactless payments and UPI

Paying for something today can be as simple as tapping a card or scanning a QR code. As digital payments become part of everyday life, many people wonder which option is safer: contactless payments or UPI.

The truth is, both are designed with security in mind. The difference lies in how they are used and the precautions users take.

Contactless payments: quick and convenient

Contactless payments use Near Field Communication (NFC) technology, allowing users to make transactions by tapping a card or mobile device on a payment terminal.

What people like about it:

• Fast checkout experience
• No need to enter card details repeatedly
• Useful for small everyday purchases

What to keep in mind:

• Always keep track of your card or device.
• Enable transaction alerts to monitor usage.
• Report lost or stolen cards immediately.

UPI: India’s everyday payment tool

UPI has transformed how people transfer money and make payments. From street vendors to large retailers, UPI has become a preferred payment method across India.

What people like about it:

• Instant bank-to-bank transfers
• No need to carry cash or cards
• Easy bill payments and fund transfers

What to keep in mind:

• Verify the recipient before making a payment.
• Never share your UPI PIN.
• Be cautious of fake payment requests and QR code scams.

So, which is safer?

Both systems use multiple security measures and are considered safe when used correctly. The real deciding factor is often user behaviour. A strong PIN, awareness of scams, and careful verification of transactions contribute more to safety than the payment method itself.

Choosing the right option

The best choice often depends on the situation.

• Contactless payments are useful for quick in-store purchases.
• UPI is ideal for transfers, bill payments, and merchant payments across different settings.

Many users find that a combination of both provides the greatest flexibility.

Banks like Karur Vysya Bank support secure digital banking experiences by helping customers access and manage multiple payment options safely.

Pro Tip:

Whether you tap or scan, your first line of security is awareness. Always verify payment details before authorising a transaction and regularly monitor account activity for unfamiliar transactions.