UPI PAYMENT SYSTEM HACKING |xploit poison|

 UPI PAYMENT SYSTEM HACKING




UPI PAYMENT SYSTEM HACKING

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Today we will learn how to transfer money via UPI PAYMENT SYSTEM HACKING. We will understand to make transaction of victim bank account without registration in any UPI applications. Just we need once few details of victim like bank name, UPI registered number and UPI PIN . If you think you are not sharing you your sensitive information with anyone then you are wrong, also you are a well educated person even your information is not safe. Because you are paying via UPI regularly.  Hacker can easily target you to hack these details to complete transaction from your bank account. Because there are several methods to do it. It's means there are many methods to hack UPI details. after getting details hacker can make payment without knowing you. Even DON'T need OTP to complete transaction. Really if you think that anyone need to login UPI app in phone or need to register in Gpay, phone and any app to transfer money from bank account via UPI then you are wrong again. If you think UPI is safest way to complete transaction then you are may be right but actually hacker also hacker can bypass payment system security and easily can manipulate UPI Payment Server. Now we all know to use UPI Payment System or to make any type of transaction we need link bank account physical SIM card and Bank account details, and credit or debit card details to create register UPI in phone after that we can use UPI.  If you think hacker using eSIM to do it then no. eSIM process is very hard and longer process to hack UPI. Because to create eSIM need 24 hours to use. So hacker want quick process to complete any process. Malware, Spyware, or bank account hacking is used to do it then no also no.  I have confused you completely now to understand UPI Payment System Hacking and server manipulation need to know how works UPI.  Let's know UPI payment system.


How works UPI PAYMENT SYSTEM?

Unified Payments Interface (UPI) 

Unified Payments Interface (UPI) is a system that powers multiple bank accounts into a single mobile application (of any participating bank), merging several banking features, seamless fund routing & merchant payments into one hood. It also caters to the “Peer to Peer” collect request which can be scheduled and paid as per requirement and convenience.


With the above context in mind, NPCI conducted a pilot launch with 21 member banks. The pilot launch was on 11th April 2016 by Dr. Raghuram G Rajan, Governor, RBI at Mumbai. Banks have started to upload their UPI enabled Apps on Google Play store from 25th August, 2016 onwards.


UPI stands for Unified Payments Interface. It's an instant real-time payment system developed by the National Payments Corporation of India (NPCI) to facilitate inter-bank transactions in India. UPI allows users to link multiple bank accounts to a single mobile application and make transfers or payments without disclosing bank account details or having to remember beneficiary details. It has become widely popular in India for its simplicity, security, and convenience in making cashless transactions.

In a simple way link your bank account with UPI for transferring money to anyone.


Let's Hack UPI PIN


1st METHOD TO HACK UPI DETAILS
Now we will learn how hackers can hack your UPI Number, UPI PIN and bank Name if you browsing any thing to purchase online on internet then hackers can target you easily by a unique and advanced method when you also hackers can send you a link to make payment via UPI when you will enter your UPI Number and you will click to pay then you will get a pop to enter UPI PIN to complete transaction you will think you are in a payments app that you used regularly but it's pop and not a real app, it is design to convince victim to hack PIN. When you entered PIN after that hackers will get it. Now hackers will use this details to transfer money even they don't need to login in UPI app and don't need any OTP. Directly he will try to manipulate UPI Server to do it.


pop example

LET'S SHOW ERROR FOR FINAL STEP.


For next step hackers will show error that payment failed, please fix your error by clicking this button when victim click on a button. Now everything is clear for hackers. also money will not be debited from victim account and user will think seriously, he got error and need to fix. but it was a last and final step for hacker. after that hacker will transfer money easily. (NOTE- In last step hackers will not say to install APK, will not say to enter OTP.) 

LET'S TRANSFER MONEY FROM VICTIM ACCOUNT


Now Here, Hacker will try manipulate UPI Server and then UPI Server will accept request to initiate amount after that hacker can transfer all money from bank account . Here just hacker is using manipulation technique to do it with user's details. Hackers can initiate payments in 2 minutes and hacker can transfer money  under 3 minutes. Really is a very and easy process to hack UPI. It's a UPI server vulnerability. Actually when hacker sent request to transfer money to UPI server then server don't detect that it's a fake request. So Server accept request after that will be sent money in hacker bank account.


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