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The best defense against fraud?

KNOWING THE PLAYBOOK.

Learn what to look out for and the steps to take if you notice anything suspicious.

Know the tricks. Avoid the traps.
Got a “NayaPay” call out of nowhere?
If someone claims to be from NayaPay and demands urgent payment or sensitive information, pause.

We’ll never ask for your MPIN, OTP, card PIN or passwords, and we only call from +(92 21) 38400729.
Someone’s claiming you’ve won a big reward?
Those “Congratulations! You’ve won” calls or texts come with a catch, pay first or share private info.

If you never applied, there’s nothing to claim. Real rewards never ask for money or personal details.
High returns, low risk?
From social media ads to unregistered advisors, scammers push offers that sound too good to miss. If it sounds like easy money, it’s probably a trap.

Always invest through trusted, regulated channels.
Don’t let your CNIC assist someone else’s crime.
Your CNIC can be used to create accounts or move money. These accounts change hands multiple times, making it hard to trace and leaving you responsible for the misuse.
Not every link is a safe link.
Messages that look official may push you to click links, share details, or act urgently. These tricks are designed to steal your data.

Always double-check before sharing details. If you’re unsure, stop and verify directly through trusted, official sources.
Quick income or quick scam?
Fraudulent job ads promise high pay with little effort. They may ask you to pay upfront or use your account to move money. 

If a job involves payments, fees, or transferring funds, it’s a scam. Stick to verified employers and check credibility before applying.
They sound official. They’re not.
Scammers use fear and authority to pressure you into sending money or sharing details. Common tricks include fake police calls or urgent bills.

Real authorities won’t rush you or demand payments. Double-check with the organization through their official contacts.
Your card deserves real websites.
Fraudulent websites often pose as popular stores or brands to steal your debit card details. They look convincing, but the moment you enter your card details, it’s collected and misused for unauthorized transactions.

Always check the website address, look for “https://” and security locks, and avoid entering your card details on unfamiliar or unverified sites.
That’s not your courier.
Ever get a text saying “update your address to receive your parcel”? It’s a scam link trying to steal your details.

Ignore suspicious delivery messages, don’t click on links, and always track parcels directly through the courier’s official website or app.
That’s not your courier.
Ever get a text saying “update your address to receive your parcel”? It’s a scam link trying to steal your details.

Ignore suspicious delivery messages, don’t click on links, and always track parcels directly through the courier’s official website or app.
Keep your guard up, not your hopes.
Trust only official channels. NayaPay will never text you random links or ask you for details over the phone. If something feels suspicious, get in touch with us.
Don’t rush. Scammers rely on panic texts. Real organizations, including NayaPay, will never pressure you into taking immediate action.
Keep your details private. Your CNIC, card PINs, MPIN, OTP, and passwords belong only to you.
Shop and pay smart. Use trusted merchants while shopping online and avoid direct transfers to unknown accounts.
Question the unbelievable. From “triple your money” offers to “win without entering,” scams always sound too good to be true. If it feels unreal, it’s unsafe.
Reporting fraud
NayaPay users can call us anytime at +(92 21) 111-222-729 to report scams, fraud, or anything that doesn’t feel right.

If you don't have an account with us and believe you’ve been a victim of fraud by a NayaPay user, please report it to your bank so they can help investigate and escalate through dedicated channels.
Think it’s us?
Here’s how to tell.
We’ll never ask for your card PIN, MPIN, OTP or password.
We’ll never tell you to sell, share, or hand over your wallet.
We’ll never send random links to update your details.
We’ll never ask you to move money to “keep it safe.”
If you see this number calling, it’s us. Pick up with confidence.

+(92 21) 38400729
How NayaPay protects you against fraud
At NayaPay, security isn’t an add-on. It’s built into every part of your experience. From the moment you open an account to every transaction you make, multiple layers of protection are working silently in the background.
Account
Protection
We use a combination of passwords, MPINs, and biometrics to ensure only you can access and operate your account. Every login is checked for unusual activity, and if something looks suspicious, we step in before it becomes a problem.
Card
Controls
Everything you need to manage your card is right in the app. Freeze your card instantly if something feels off, reveal your card details only when you need them, or block the card completely with a single tap.
Transaction
Security
From bill payments to online shopping, every transaction comes with instant notifications. Authentication through MPIN or biometrics ensures that only you can complete a payment.