Create a new UPI ID

How can I create a VPA or UPI ID?

If you add a bank account to your Google Pay account, you can create a VPA or UPI ID for it.

  1. On your mobile device, open the Google Pay app .
  2. At the top right, tap your Profile picture.
  3. Tap Bank account.
  4. Tap the bank account you added to Google Pay.
  5. Next to "UPI ID," tap Edit Edit.
  6. To create a UPI ID, tap Plus Add.

Tips:

  • You can create up to 4 UPI IDs on Google Pay for each bank account you add.
  • You can't use VPA or UPI IDs created through other UPI apps or net-banking portals for Google Pay.
  • A new VPA or UPI ID is created for you when you sign up for Google Pay.
  • The VPA or UPI ID created through Google Pay is the default VPA or UPI ID on your Google Pay account.
  • You can keep the ID you want and delete other associated IDs.

Questions about multiple VPA or UPI IDs

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 through the server that will ensure a successful payment.
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. 
Can I have multiple VPA or UPI IDs?
You can create up to 4 VPAs on Google Pay.
  1. On your mobile device, open the Google Pay app .
  2. At the top right, tap your Profile picture.
  3. Tap Bank accounts.
  4. Tap your bank account.
  5. Tap UPI IDs.
  6. You can create additional UPI IDs
Enable smart routing through social sharing

What’s social sharing

During a payment, if the beneficiary’s Virtual Payment Address (VPA) is unavailable, the payer is notified to “invite the payee” to set up an extra VPA. This invite is sent as a link on social sharing platforms like WhatsApp. Once the beneficiary sets up the extra VPA, the payer is notified to retry the payment.

For payers: Steps for social sharing

If your beneficiary’s VPA is unavailable, you can send them a message to set up an extra VPA. When the beneficiary’s VPA is unavailable, Google Pay notifies you.

  1. On your screen, click Message.
  2. Select the social sharing platform you choose to send a message to your beneficiary.
  3. A link is sent to the beneficiary.

Tip: When the beneficiary sets up an extra VPA, you’ll be notified.

For beneficiaries: Set up an extra VPA

If the payer requested to set up an extra VPA, you’ll receive a message about it. If you receive a message to set up an extra VPA:

  1. On your phone, to set up an extra VPA, go to the notification.
  2. Tap the link provided in the message.
  3. To set your extra VPA, follow the on-screen instructions.

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