Small Security Mistakes That Can Lead to Payment Fraud One of the most common mistakes people make is using the same password or PIN across multiple platforms. Many users believe that because they use a secure UPI app, they are automatically immune to all forms of digital theft. A secure UPI app is only as strong as the gatekeeper, which in this case is your unique password. A secure UPI app remains secure only when it is kept up to date with the latest defenses against emerging threats. However, as we have seen, the small mistakes we make out of habit or haste can lead to serious consequences.