Security & trust

Your money is personal.
We protect it that way.

Here's how Oakpay keeps your account, money and data safe — and what you can do to stay one step ahead of fraudsters.

How we protect you

Six layers of protection

Security isn't a single feature — it's built into every step, from sign-up to your last payment of the day.

Encrypted connections

Data between your device and Oakpay travels over TLS encryption, so it can't be read in transit.

OTP-verified access

Sign-ins and sensitive actions are confirmed with a one-time password sent to your registered mobile.

Password & PIN protection

Your password and PIN are never shown to anyone at Oakpay. Change them anytime from your account.

Activity monitoring

Unusual account activity is monitored to help detect and prevent fraud.

Limits & controls

Transaction limits apply in line with KYC level and applicable rules, to reduce risk.

Reliable refunds

Status checks and automatic reversals help make sure failed transactions don't cost you money.

Stay safe

Six habits that stop most fraud

Most payment fraud works by tricking people, not by breaking systems. These simple habits protect you.

Never share your OTP, UPI PIN or passwordsOakpay staff will never ask for them — by phone, SMS, email or WhatsApp.
You don't need a PIN to receive moneyIf someone asks you to enter your PIN to 'receive' a payment, it's a scam.
Check before you payConfirm the number, biller, beneficiary and amount before every payment.
Don't install screen-sharing apps on requestFraudsters use them to watch your screen and steal OTPs.
Use only official linksLog in only through the official Oakpay website or app. Beware of look-alike links.
Report quicklyIf something looks wrong, report it immediately — speed helps limit the damage.

Report an issue

Noticed something suspicious?

If you see a transaction you didn't make, or someone contacts you pretending to be Oakpay, tell us right away. Share the transaction reference, date, time and what happened.

Report to Oakpay

Also report to the authorities

National Cyber Crime Helpline: 1930Call as soon as possible to report financial cyber fraud in India.
cybercrime.gov.inThe National Cyber Crime Reporting Portal for online complaints.
Your bankInform your bank immediately to block or dispute unauthorised transactions.

Responsible disclosure: If you're a security researcher and believe you've found a vulnerability in an Oakpay system, please report it privately through the contact form with the subject “Security disclosure”. Please do not access other users' data or disrupt services while testing.

Pay with confidence.

Create your Oakpay account and enjoy secure, simple payments every day.

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Your money is personal.We protect it that way.