Native Indian Payment Channels - What is UPI ID

　　India Payment Gateway: UPI ID in Detail

　　I. Introduction to the concept of UPI ID

　　UPI ID, known as Unified Payment Interface ID of India, is the key identifier used to enable digital transactions in the UPI payment system. The ID acts as an identifying address for seamless transfers between users and is closely linked to bank accounts.

　　II. Description of UPI ID examples

　　UPI ID is a unique identifier for bank accounts in India and is usually in the format of "abcdef@ybl" or "90876543@okicici", where "abcdef "abcdef" can be the user's name, email or mobile number and "@ybl" and "@okicici" are abbreviations of the bank's name.

　　III. How to create a UPI ID

　　1. Register your bank account and mobile number using UPI-enabled apps (e.g. Google Pay, PhonePe, Paytm, Mobikwik, etc.).

　　2. Select the BHIM application or any other UPI-enabled banking application to complete the enrolment.

　　3. Set UPI ID and 4 or 6 digit PIN for transaction security.

　　IV. How to find UPI ID

　　1. Open the UPI application, click on the three line icon in the upper left corner and select "Profile" to view your UPI ID.

　　2. In the BHIM application, log in and select "Profile" to view the UPI ID via QR code.

　　3. In Google Pay, click on your profile picture in the top right corner and select Bank Account to find the associated UPI ID.

　　V. How to use UPI ID transfers

　　1. Dial *99# and enter "1", select the payee, provide the UPI ID and enter the transfer amount.

　　2. After confirming that the transfer information is correct, enter the UPI PIN to complete the transaction.

　　VI. Frequently asked questions

　　1. How do I find my UPI ID?

　　The UPI ID is a unique identifier that you can find in the UPI application's Profile.

　　2. Is the UPI ID unique?

　　Yes, UPI IDs are usually different for different apps and vary depending on the bank of the associated account.

　　3. What details are needed to use UPI?

　　You need to have a bank account with a member bank and the mobile number needs to be registered with the bank account.

　　4. How to recover UPI PIN code?

　　In the BHIM app, log in and select "Bank Accounts" to reset the UPI PIN.

　　Payment channel solutions in India to help make your digital transactions easier.