ARMAPay

Demo mode: simulated money only. No real bank account is used.

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ARMAPay

Undo, built into the ledger

Every outgoing payment stays reversible for 15 minutes. Tapping Undo asks for your UPI PIN, then runs one reversal in a single database transaction.

What the reversal does

Moves the money from the recipient back to the bank account you paid from.
If the recipient already spent part of it, recovers what is left and holds the rest against their account. Their next incoming payments settle the hold.
Logs your reason (fraud, scam, laundering, wrong person). Reports show up as a warning to anyone about to pay that account.
Saved contacts pay instantly. New payees are verified by name first and capped at ₹5,000 per payment.

Collect-request scams

A common scam: someone sends a "pay me" request and says you will receive money. Approving it with your PIN actually pays them. ARMAPay turns the screen orange for these requests, lists the warning signs, and asks you to tick a box before the PIN. Screens for money you receive keep their normal colours and never ask for a PIN.

Abuse guard

After 3 undos in 30 days, the next one goes to manual review instead of reversing instantly. After the window closes, you can raise a dispute.