Is UPI safer than debit card?

Both UPI and debit cards are safe methods for online payments when proper precautions are taken. Debit cards feature an EMV chip, PIN, and transaction alerts. UPI uses two-factor authentication with a unique UPI PIN and masks bank details using a Virtual Payment Address (VPA), enhancing privacy. Both offer liability protection in case of loss or theft, and users must keep their PINs confidential.