India's trust layer for UPI before you pay
Know The UPI reveals masked account names, Trust Score, and scam network signals — before you tap Pay.
Community fraud intelligence + NPCI name verification + multi-VPA clustering — subscription SaaS on India's dominant payment rail.
TrueShield AI — Ask before you pay
Multimodal AI that reads your situation, checks TrueUPI's fraud database, and explains risk in plain language.
Banks react after money moves. TrueShield helps you decide before you tap Pay.
Ask before you pay
Natural-language analysis of suspicious UPI requests, marketplace deals, and social-engineering scripts.
Try itScreenshot intelligence
Upload payment screens, collect requests, or QR flows — vision extracts UPI IDs, amounts, and red flags.
Try itDatabase-backed checks
Live lookup against TrueUPI's community fraud graph — confirmed scam reports vs verify/vote signals, calibrated for accuracy.
Try itAlways learning
RAG over curated India-specific scam patterns — OTP theft, fake success screenshots, marketplace fraud, and more.
Try itTrueShield AI provides educational guidance, not a bank guarantee. Always verify recipients through official channels before paying.
TrueShield AI
Describe suspicious payments, upload screenshots, and get advice backed by TrueUPI fraud database.
Real-time UPI Verification
Instantly verify any UPI ID and get a detailed risk assessment
Report Fraud
Help others by reporting suspicious UPI IDs to our database
Analytics Dashboard
Track your reports and community impact
Platform
India's trust layer for UPI
Know before you pay → detect scam networks → verify legitimate users → enable safe transactions.
Market
UPI is India's default payment rail — and fraud scales with adoption. TrueUPI targets the moment before money leaves the account, where banks and wallets have limited visibility.
Moat
No widely recognized consumer platform combines community fraud intelligence, NPCI name verification, multi-VPA clustering, and AI guidance in one subscription product.
Model
Freemium community verify + Know The UPI subscriptions (₹299–₹1,199), unlimited cached name lookups, B2B verify API, and roadmap escrow infrastructure.
Technology stack
- Know The UPI — masked NPCI account names
- Trust Score + multi-signal cluster intelligence
- Permanent encrypted VPA→name store (cache-first)
- TrueShield AI as supporting guidance layer
- Shareable check links for organic WhatsApp growth
Join Our Community Effort
Help make UPI payments safer for everyone. Join our mission to combat digital payment fraud.
Top Contributors
Join our community of vigilant users helping to make UPI payments safer for everyone. Get recognized for your contributions to digital payment safety.
Rajesh K.
Sneha M.
Arun P.
How TrueUPI Protects You
Our comprehensive UPI fraud detection system works through multiple layers of protection to keep your transactions safe.
1. TrueShield AI — ask first
Describe the situation in plain language or upload a screenshot. TrueShield combines vision extraction, live UPI database lookup, and RAG over scam playbooks to produce calibrated guidance.
You get a clear risk level, evidence-based reasoning, and actionable next steps — without sharing OTPs, PINs, or passwords.
- Multimodal input: text, images, QR-derived UPI IDs
- Database lookup with confirmed fraud vs community-check signals
- India-specific scam education via retrieval-augmented knowledge
- Evidence-calibrated language — suspicious vs confirmed vs unknown
2. Instant UPI ID Verification
Before making any payment, enter the UPI ID in our verification tool. Our system instantly checks the ID against our database of reported fraudulent accounts and provides a comprehensive risk assessment score.
The verification takes into account several factors:
- Previous fraud reports associated with the UPI ID
- Age and activity patterns of the account
- Connection to known fraud networks
- Geographical risk assessment based on fraud patterns
- Pattern matching with known scam techniques
Results are color-coded for easy understanding: Green for safe, Yellow for caution, and Red for high risk.
3. Community-Driven Fraud Reporting
TrueUPI's strength comes from our community of vigilant users who report fraudulent UPI IDs. When you encounter a scam:
- Submit detailed information about the fraud attempt
- Upload screenshots or other evidence
- Describe the scam technique used
- Report the financial impact (if any)
Our verification team reviews each report thoroughly before adding it to our database. This crowdsourced approach creates a powerful shield against new and emerging scams, often identifying them before they become widespread.
Each verified report helps strengthen our fraud detection system and protects the community.
4. Real-time Fraud Alerts
Stay one step ahead of scammers with our proactive alert system:
- Receive notifications about new scams in your area
- Get alerts about suspicious activities related to merchants you've transacted with
- Learn about emerging fraud patterns that match your transaction behavior
- Access educational content about avoiding the latest scam techniques
Our fraud detection system tracks emerging patterns across India to provide relevant alerts that help you stay protected without overwhelming you with information.
Trusted by Users Across India
"Saved me from a potential scam. The instant verification is a lifesaver!"
"Essential tool for anyone who uses UPI. Simple yet powerful."
"The community alerts helped me stay informed about local scams."
Protect Your Digital Payments Today
Join thousands of vigilant users who have already prevented numerous fraud attempts. Help make UPI payments safer for everyone by contributing to our community effort.