Scamsters typically transfer small payments in the initial stages of the scam and display investment portfolio on spurious apps. These transactions can happen through Unified Payments Interface (UPI) as there is a limit of Rs 1 lakh per day. However, when the victims try to book their so-called profits, the criminals demand more money multiple times on the pretext of early withdrawal or taxes. But since the transaction is through the consent of the victim, neither NPCI nor banks can intervene in the process.