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Before you pay anyone on UPI: The Advance Payment Trick how fake escort numbers in Mumbai take your money

A fake number asks for a small booking fee. Then her cab fare. Then a deposit for the hotel. The girl never comes, and the number stops answering. With Mumbai Dating you pay nothing before she reaches you, and this page shows how to spot the trick in the first two messages.

No advance. You pay her when she reaches you.

not one rupee
before she reaches you.

Riya, 24, call girl in Bandra, Mumbai: sitting on the Bandstand sea wall at dusk in an olive shirt dress
Aanya, 24, call girl in Navi Mumbai, Mumbai: at a Vashi cafe in a black top and jeans with a cold coffee
Prisha, 24, call girl in Lower Parel, Mumbai: mirror photo by her front door in a white tee and black skirt

1 / 3names

Riya

24 · Bandra · Private dance

By Mumbai Dating · 9 October 2026 · 6 min read

A worried man in an olive T-shirt sits alone on an empty Mumbai railway platform at night, staring at his phone
Three payments later, the number stops answering.

Where it starts

Fake escort numbers in Mumbai, and where they hide

Search for escorts in Mumbai late at night and you find hundreds of numbers: on free ad sites, in comments under videos, on copied websites with a new number pasted on top. A lot of them belong to the same kind of man. He has no girls. He has a UPI ID and a script.

His photos look perfect because they are taken from somewhere else, often from a model's or an actress's account. The same face turns up on ten sites with ten numbers. So a photo alone proves nothing. What keeps your money safe is one plain rule: you pay the girl when she reaches you, and not one rupee before.

A woman in a black dress takes a selfie in the back seat of a cab at night, on her way to the booking
A real girl is already on her way before you pay a rupee.

Mumbai Dating has one number, +91 77352 43209. If any other number uses our name or the names of our girls, it is not us.

Step by step

How the advance payment trick works

Every escort advance payment fraud starts the same way: friendly and cheap. A small booking amount feels safe, so you pay it. After that, each step asks for a little more, and every payment makes the next one easier to send, because you have already paid once. Tap through the chat below to see how one night of it goes.

One night of the trick, message by message

This is the usual shape of the chat. Tap Next to see the next message and what gives it away.

a number from a free ad

  1. Hi dear. Many girls available tonight, any area. Send your location.

    No names, no prices, and "any area". A list, not a girl.

  2. Is the girl in the photo free at 10?

    Yes sir, she is ready. Pay ₹1,000 booking amount first, it will adjust in the total.

    A booking amount. This is where to stop.

  3. Girl has left home. Driver needs ₹2,500 cab fare. Pay now and she reaches in 20 minutes.

    Her cab is not your bill. A real girl's price covers her travel.

  4. Hotel security deposit ₹5,000. Fully refundable when she leaves.

    Refundable money from a stranger does not come back.

  5. Payment not showing in system. Send ₹5,000 again, both will refund.

    A "failed" payment that asks you to pay twice.

  6. I am not paying any more.

    This is cyber cell. Your number is in a case. Pay ₹8,000 to close it.

    Fake police. Real police don't close a case on UPI. Block him.

6 of 6

Asked for: ₹21,500. Girls who came: none.

Watch for the turn at the end. When you stop paying, some of these numbers change their voice. A man calls and says he is from the police, or a message says your photo will go to your family. It is the same man, still after money. Stop replying and block the number.

A man in a maroon T-shirt waits on a plastic chair in a cheap lodge room late at night, phone in hand
Twenty minutes, they said. That was two hours ago.

Count it up

What a fake number takes, one payment at a time

None of these payments is real. The booking amount, the cab fare, the deposit and the refund are all lines from one script. The money goes to a UPI ID, often in someone else's name, and the girl in the photo never knew about you.

The money ladder: one night of the trick

  1. Booking amount+₹1,000
  2. Her cab fare+₹2,500
  3. Hotel deposit+₹5,000
  4. Pay again, it failed+₹5,000
  5. Fake police to close the case+₹8,000

Gone in one night: ₹21,500

Example amounts from the usual script. The girl never comes at any step.

The real way

How a real Mumbai escort booking works

Here is a booking with Mumbai Dating, from the first message to the money. You write the girl's name, a time and your area. We tell you if she is free. You send the address. She calls you when she reaches your building or the hotel lobby, and you pay her there, in cash or by UPI, straight to her. Nothing before that, not even her cab.

A woman in a plum short dress stands at the door of a Malad hotel room, just arrived
She is in front of you first. The money comes after.

If she reaches you and you don't like her, you pay only her travel charge. If you cancel before she leaves, you pay nothing. Travel inside Mumbai and Navi Mumbai is already in her price, so there is never a cab fare to send.

A woman in a grey knit dress counts Indian 500-rupee notes in a Malad hotel room, paid by her date after she arrived
Paid to her, in the room, once she is there.

A fake number and Mumbai Dating, side by side

A fake numberMumbai Dating
When you payBefore she comes, again and againWhen she reaches you, once
Who you payA UPI ID you have never seenThe girl herself, in front of you
Booking feeAlways, "small" at firstNone
Her cabYou pay it firstAlready in her price inside Mumbai
If you don't like herThere was never a girlYou pay only her travel charge
The numberA new one on every site+91 77352 43209

Already paid?

Paid a fake number? Do this today

Most men feel embarrassed and keep quiet, and that is exactly what the fake numbers count on. Reporting is private. The faster you report, the better the chance that the bank can stop the money.

  • Stop paying. The "refund fee" is the next trick, and there is no refund.
  • Take screenshots of the chat, the number and the UPI ID before he blocks you.
  • Call 1930, the national cyber crime helpline, or report it on cybercrime.gov.in, the same day if you can.
  • Call your bank, or open the help page in your UPI app, and report the payment as fraud.
  • If someone threatens you or says he is police, don't pay him. Police don't settle a case over UPI.
A worried man in a black T-shirt calls the helpline from his kitchen in Thane late at night
Report it the same day. Fast reports are the ones that get money stopped.
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Pencil in the margin

Asked after reading this

Do escorts in Mumbai ask for an advance?

With Mumbai Dating, never. You pay the girl when she reaches you, in cash or by UPI. If anyone asks for money before that, stop the chat.

Is a small booking amount safe to pay?

No. The small amount is the hook. Once you pay it, the next request comes: her cab fare, a deposit, then a refund fee.

Someone is using the Mumbai Dating name and asking for an advance. What do I do?

Don't pay. Our only number is +91 77352 43209, and we never ask for money before the girl reaches you. Send us the other number on WhatsApp and we will tell you it is not ours.

Can I get my money back from a fake escort number?

Sometimes, if you report it fast. Call 1930 or use cybercrime.gov.in the same day, and tell your bank. After a few days it gets much harder.

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