Do’s And Don’ts While Making Transaction Through Payment Gateways

With the pandemic and ‘social distancing’ gaining ground rapidly, digital payments have reached their highest record. Now everywhere, you will find UPI transactions available. And with the increase of online payments, fraudulent activities related to digital transactions have also increased to a great extent. So, it is very important to know a few things while making transactions through payment gateways, which you will read shortly. 

What Is A Payment Gateway?

Any payment gateway is a tool that allows the businesses to accept digital payments from any part of the globe, via various channels and devices. It aids in receiving money from customers in the online mode. Payment gateway plays the role of a bridge that connects the bank accounts with the merchants. Moreover, that payment gateway also authorises any vendor to make digital transactions through several sources like card payments, digital wallets, net banking and UPI. To know more about payment gateway, click the link given below:

Some Important Rules To Keep In Mind While Doing Digital Transactions

Here is a set of the healthiest practices that you can put in use to avoid running into any fraudulent or security risks while making transactions through any Indian payment gateway. Keep in mind these extremely critical ‘Do’s and Don’ts’ to some extent, it is in the capacity of the user too, to safeguard themselves from these monetary fraud threats. 


  • Proper secured devices – Make sure that the devices that you make transactions from are well secured with locks and updated antivirus firewalls. Those devices contain your crucial financial information. So, it is important to have firm security in those devices to prevent unauthorised usage. 

  • Reliable networks – Never commit the mistake of transacting while using any public wi-fi or unsecured hotspots. These are vulnerable to remote access by outsiders and pose a serious threat. 

  • Assured applications – Never fall for the trap of downloading apps from any unknown and untrustworthy sources. Always check that you download the official application and then login from the original official website of banks and fintech leaders. 

  • Study the URL – Whenever you are about to make a transaction, give an eye to the URL. Ensure that you are always using the official site of the financial institution to make payments.


  • Sharing information –You should never share your whole account numbers, passwords, or any kind of financial instruction through mail. Always use a proper and safe file-sharing service or any official trustworthy app as specified by bank or government regulations. 

  • Opening unauthorised attachments/links – Never try to open any unsolicited mail or text link from any unknown source. There are threats as you can end up downloading any malicious virus or bugs in your device that will expose your payment details. 

  • Saving bank/payment details – Never share or save your payment details like passwords or OTPs. Any code or password is for confirming your identity. So, it is best to remember it correctly and update regularly.

  • Delay in reporting fraudulent or suspicious activities – Whenever you notice any suspicious activity in your transaction history or abrupt loss of payment cards, inform your financial institutions immediately. Any delays can make the situation worse and lead to financial losses. 

Despite the fact that most of the Indian payment gateways are safe, it is always better to be assured from your side. By following these Do’s and Don’ts, you will be able to do transactions in a safer and more efficient manner. And to take a step ahead in making yourself secure, you should read all about the payment gateway you are going to use before using it.