How to find UPI ID on different payment platforms: which platform companies are available for three-way payments in India

Since its introduction by NPCI in mid-2016, the Unified Payment Interface (UPI) is gradually becoming the default mode for merchants and peer-to-peer transactions. This is mainly because it allows users to perform debit/credit operations easily and instantly, all year round!

The adoption rate and ease of use of UPI speaks for itself. Here are the latest statistics on UPI trends:

- The number of banks with UPI live grew from 114 in April 2018 to 142 in July 2019

- The number of transactions increased from 235 million in July 2018 to 822 million in July 2019

Thus, today we find all the major apps supporting UPI payment feature for the convenience of their users and themselves. However, to transact online through UPI, you need a unique UPI ID.

What is a UPI ID?

UPI ID or Virtual Payment Address (VPA) is a unique ID used to send or receive funds through UPI. Users with a UPI ID (associated with a UPI-supported bank) can receive funds in their bank account without sharing the account number or other details. Users can simply share the UPI ID with the payer to receive the money directly to their bank account.

Different apps may have different UPI IDs. e.g. Paytm sets it to yourphonenumber@paytm format. In other apps, your UPI ID may be different depending on the bank you are associated with, such as yourname@bankname.

Here's how to view UPI ID in some of the popular apps:

1. Google Pay

Open the Google Pay app. In the top left corner, click on your avatar. Click on "Bank Accounts". Tap on the bank account you want to view UPI IDs for. Under "UPI IDs" you will find all the UPI IDs associated with that bank account.

2. BHIM

Open the BHIM app. On the home page, click on "Profile". You will find the UPI ID in the format of your registered mobile number @upi.

3. Paytm

Open the Paytm app. Click on the "BHIM UPI" section on the topmost bar of the homepage. In the first part of the page, you will find the UPI ID and QR code. the UPI ID will be yourphonenumber@paytm (as mentioned above).

4. Phone Pe

Open the PhonePe app. In the top left corner, click on your avatar. Click on "My BHIM UPI ID" and you will find your unique ID in the format of yourphonenumber@ybl.

5. Mobikwik

Open the Mobikwik app. Tap on the bank account you want to see your UPI ID for in the top right corner. the ID will appear as yourmobilenumber@ikwik.

Note: You can create custom UPI IDs in all of these applications.

reach a verdict

With UPI becoming a popular payment method among the masses, it is an important step for businesses to offer UPI as a payment option to their customers to move towards a 'cashless economy'. Accepting all types of payments, such as bill payments, grocery shopping and online shopping, has become imperative.

If you are a merchant or service provider and want to provide your customers with the best payment experience, integrate with a UPI payment gateway like PayUmoney that is stable, reliable and highly secure.PayUmoney's payment gateway offers UPI payment options in addition to credit card, debit card and e-wallet payment options. With PayU, your business will be able to accept all the payment methods that your customers are used to using.

More about UPI:

- UPI Insights

- Accepting payments using UPI