Unified Payment Interface (UPI) is an instant payment system that allows you to transfer funds between 2 parties through a mobile platform. To add a bank account on Google Pay, your bank should work with UPI.
As a UPI user, you have to create a unique identifier (UPI ID) that is associated with your bank account.
With Google Pay, your UPI ID is generated through payment service provider banks, like:
- SBI
- HDFC
- Axis
- ICICI
Create an extra UPI ID
Adding an extra UPI ID improves payment success rates by routing your transaction through the most reliable server.
There are two ways to create an additional UPI ID:
- When you set up a new account with Google Pay, you can create more than one UPI ID.
- When a payment you made has issues or failed, you may see a prompt to add new UPI IDs to your existing bank account.
- Learn how to create a new UPI ID.
Tip:
- To activate UPI IDs, Google Pay sends an SMS on your behalf to partner banks. Standard SMS charges apply.
- You can add up to 4 UPI IDs for your bank account.
If you log out of Google Pay, your bank accounts become inactive. Once you log back in, you’ll be notified to reactivate your bank account.
Any extra UPI IDs you created before will be reactivated too.
Commonly asked questions
What’s the difference between a UPI ID & a bank account?If you register a new UPI ID, you’ll need to send an SMS to the payment service provider bank.
- For Android devices, this happens in the background.
- For iOS devices, tap Send.
For each UPI ID you register, you’ll be charged with the standard SMS rates.
There are no changes. You’ll still transact from your bank account as usual. If you have extra UPI IDs, your transaction can be routed through an alternative UPI ID if there are unavailable payment routes.