Which is the safest mode of payment?

Both UPI and debit cards offer strong security features for payments. UPI utilizes multi-factor authentication, requiring a unique PIN to validate transactions. Features like the Paytm Security Shield add an extra layer of protection by requiring a passcode, face ID, or fingerprint to access the application. Debit cards are also safe, offering EMV chips, PIN protection, and liability protection, which allows you to report card loss or theft immediately. Using a credit card is also recommended for online shopping safety.