Example PhonePe scam message
This is the style of message scammers often use to create urgency and push people toward unsafe actions.
Example message
PhonePe ALERT: Your refund is pending. Complete verification now at http://bit.ly/phonepe-refund to receive payment instantly.
Tip: if the message contains urgency, a suspicious link, or asks for OTP, PIN, password, or app installation, treat it as high-risk until verified.