# Record-Keeping if Approached for exch99 id - Note 155
# Record-Keeping if Approached for exch99 id - Note 155 Payment Warning SignsRequests to split transfers across multiple personal UPI handles, pay to new numbers each time, or add vague remarks like quick recharge indicate manual handling with no proper invoice. There are often no refunds, chargeback paths or tax receipts. Keeping UTR numbers, chat exports and bank alerts organised is essential if you must demonstrate what happened to your bank or cyber cell. Data Shared T
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