Learn about an additional UPI ID

What’s UPI?

Unified Payment Interface (UPI) is an instant payment system that helps when you transfer funds between 2 parties through a mobile platform. To add a bank account to Google Pay, your bank should work with UPI.

Why do I need a UPI ID?

Every UPI user has to generate a unique identifier called UPI ID, which is associated with your bank account. This makes it easier to send and receive money instantly on your bank account. You don’t have to share your account number or other details.

With Google Pay, your UPI ID is generated through payment service provider banks, like:

  • SBI
  • HDFC
  • Axis

How does an additional UPI ID work

Sometimes, transactions may take longer or fail because of issues with UPI payment servers. An additional UPI ID helps improve your payment success rate by routing your transaction via the server that will ensure a successful payment.  

For example, let’s say that you need to get to the office from your home in your car, and there are 4 different routes that you can take. Your usual route is blocked due to severe traffic congestion, so you pick any of the other 3 available routes.

In the same way, additional UPI IDs with different banks, like @okhdfcbank, @oksbi, etc. provide these different routes to make transactions. If any of the UPI ID routes aren’t available, we’ll choose an alternative route for your payment, to make sure that you have a smooth payment experience every time on Google Pay.

How many UPI IDs can I have?

You can add up to 4 UPI IDs for your bank account. You can also remove these at any time. You can have multiple UPI IDs for the same bank account. This helps lessen payment delays or failure and is secured by Google Pay.

How to create an additional UPI ID

There are 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 that you made has issues or fails, you may see a prompt to add new UPI IDs to your existing bank account.
  • You can create a new UPI ID by yourself.
Tip: When you tap Add now, Google Pay sends an SMS on your behalf to create an additional UPI ID. Your standard SMS charges will apply.

Reactivate a bank account after you log into Google Pay

If you log out of Google Pay, your bank accounts become inactive. To log back in, you’ll be notified to reactivate your bank account.

Any additional UPI IDs you’ve previously created are reactivated too.

If you didn't have more than one previously created UPI IDs, you'll get an option to add additional UPI IDs for enhanced payment success rate. To add an additional UPI IDs are optional and you can continue to use Google Pay with your original UPI ID.

Does this change the way that payments are made?

No. You’ll still transact from your bank account as usual. If you have multiple UPI IDs, this makes sure that we can route your transaction through an alternative UPI ID if one or more of your payment routes aren’t available due to technical issues.


What’s the difference between a UPI ID & a bank account?

A UPI ID is an identifier of your bank account that allows you to send and receive money directly from your bank account.

If I have a bank account with SBI, why does my UPI ID end with @okhdfcbank?

In this scenario, HDFC is the payment service provider bank that allows you to plug into the UPI ecosystem to send and receive money. If your bank account is with SBI, your UPI ID can end with @oksbi, @okhdfcbank, @okaxis or @okicici. You can continue to send and receive money through your SBI bank account.

If I create multiple UPI IDs, where will my money go?

Your transactions are routed through the UPI ID that’s available for UPI payments at that time. If a payment fails because of these issues, we’ll automatically route it through any additional UPI IDs that you’ve created.

Will I be charged when I create a new UPI ID?

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 that you register, you’ll be charged the standard SMS rates.

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