How to Find Your UPI ID in Any Payment App
Effortlessly find, understand, and utilize your UPI ID across all major payment apps. Simplify receiving payments in India.
A Unified Payments Interface (UPI) ID serves as a unique digital address for conducting financial transactions. This identifier facilitates real-time fund transfers directly between bank accounts, streamlining the process of sending and receiving money. It eliminates the need to share sensitive bank details, such as account numbers or Indian Financial System Code (IFSC), making transactions simpler and more secure. The UPI system enables instant payments through various mobile applications.
Locating Your UPI ID in Common Payment Apps
Finding your UPI ID involves navigating to your profile or banking section within your preferred payment application. In Google Pay, for instance, open the application and tap on your profile picture located in the top right corner of the screen. From there, select “Bank account,” choose the specific bank account you wish to view, and then tap “Manage UPI IDs” to reveal your associated identifier.
For PhonePe users, launch the app and tap on your profile picture, found in the top left corner of the home screen. Your UPI ID will be displayed directly under a “My UPI ID” or similar section, or you may need to select a linked bank account to view it. Similarly, within the Paytm application, opening the app and tapping on your profile picture reveals your UPI ID visible on the screen, positioned above a QR code.
The BHIM app also provides easy access to your UPI ID; after opening the application, tapping on the “Profile” option on the homepage will display your identifier. Bank-specific applications that support UPI functionality will have a dedicated UPI or BHIM UPI section. Users can find their UPI ID by accessing their profile or “My Accounts” area, displayed alongside linked bank account details.
Understanding UPI ID Variations and Aliases
A UPI ID can take on several distinct formats, commonly appearing as a combination of an identifier and a service provider handle, such as yourname@bankname or mobilenumber@psp. This identifier part can be your mobile number, a chosen username, or even a portion of your email address, followed by an “@” symbol and the name or abbreviation of the bank or payment service provider. This unique address is also widely known as a Virtual Payment Address (VPA).
Users often possess multiple UPI IDs, particularly if they utilize different payment applications or have several bank accounts linked to the UPI system. While some applications might automatically assign a default UPI ID, others provide the flexibility to customize this identifier to make it more memorable.
Sharing Your UPI ID and Receiving Payments
Once you have located your UPI ID, sharing it is a straightforward process to facilitate incoming payments. You can simply provide your alphanumeric UPI ID directly to the person or entity wishing to send you funds.
Another common and efficient method for receiving payments is through a UPI QR code. Most payment applications allow you to generate a unique QR code linked to your UPI ID. This QR code can be displayed digitally or printed, allowing others to scan it with their own UPI-enabled application. When scanned, the QR code automatically populates your UPI ID in the sender’s app, who then only needs to enter the payment amount and confirm the transaction. It is important to share your UPI ID privately and verify the sender’s details before confirming any incoming transactions to maintain security.