How to Create UPI ID in Google Pay, Paytm, PhonePe, Amazon Pay Payment Apps

UPI (Unified Payments Interface) payment is one of the most preferred means of payment in India and over the past few years the number and monetary transactions of users have increased at an incredible rate. According to the National Payments Corporation of India (NPCI), over 5 billion transactions were processed in the month of March 2022 itself and in the financial year 2022, UPI is expected to cross Rs 80 trillion in transactions.

With most Indians having a smartphone in their pocket these days and digital payments being used across India in all shops and malls, using apps like Google Pay, Paytm, PhonePe, Amazon Pay or Bhim App has become the norm these days. In this article, we will see how to create and get your UPI ID as a first user and also we will see how to change UPI ID on some apps.

Also Read: Reset UPI PIN: How to Reset or Change UPI PIN in Google Play, Paytm, PhonePe, Amazon Pay Payment Apps

Before you start, it is important to know that on most of the apps mentioned below, the UPI identifier will be created by default as soon as you select your bank to link to the app. During the creation process, some applications also allow you to change the UPI identifier according to your preferences.

With the UPI ID, you can share it with others so they can make payments to your bank account without having to use your bank details or phone number. Some of UPI’s most important features include:

  • Simple and hassle-free payment
  • Instant money transfer 24/7
  • Payment can be made without bank details
  • One-click 2-factor authentication for security
  • You can also pay other bills such as electricity, water, gas, etc.
  • Some apps offer rewards and cashbacks

To note: The UPI identifier is also sometimes referred to as a virtual remittance address or VPA

How to Create a UPI ID Using Google Pay

  1. Download the Google Pay app and register/login
  2. Tap your profile picture in the top right
  3. Under “Payment methods”, select “Bank accounts”
  4. Select any bank account for which you want to set a new UPI ID
  5. Select “Manage UPI credentials”
  6. Tap the “+” icon next to the UPI ID you want to create
  7. To verify your mobile number, click “Continue”
  8. Once the mobile is verified, a new UPI ID will be created.

Once the new UPI ID has been created, you can select the desired UPI ID under “Choose an account to pay with”. If you want to delete an existing UPI, follow the same steps, but instead of the “+” icon, you need to press the bin/delete icon.

Also read: Google Pay UPI limit: what is the maximum limit of money transfer or transaction amount per day on GPay

How to Create a UPI ID with Paytm

  1. Download Paytm App from Play Store or App Store
  2. Open the Paytm app
  3. Sign up or sign in using your phone number
  4. Select the name of your bank from the list that will appear (make sure your mobile number is registered with your bank)
  5. Your bank details will be retrieved (if you are linking your bank for the first time, you will be asked to set up a UPI PIN using your debit card details)
  6. Once this certification is done, your UPI ID will be generated (ending with @paytm)

Your bank account is now linked through UPI and you are ready to make your payment.

Also read: Google Pay: How to add or remove a credit or debit card in GPay

How to create a UPI ID using PhonePe

  1. Download PhonePe App from Play Store or App Store
  2. Open the Paytm app
  3. Sign up or sign in using your phone number
  4. Tap your profile picture in the top left corner
  5. Under ‘Payment methods’, tap ‘Add bank account’
  6. Select the bank account for which you want to set a UPI ID
  7. You will be given the option to create a UPI ID, in case you want your own ID you can click on edit and create your own UPI ID or you can continue with the given option
  8. Tap “Proceed to add”
  9. Your UPI ID will be created and the bank account you selected will be linked

How to Create a UPI ID with Amazon Pay

  1. Open the Amazon app
  2. Tap the three lines in the lower right corner
  3. Tap Amazon Pay
  4. Tap the Amazon Pay UPI option and continue
  5. Select the bank account for which you want to set a UPI ID
  6. Your bank details will be retrieved
  7. Your UPI ID will be created
  8. Click Continue to add this UPI ID and bank account
  9. If you want to add more UPI IDs, you can click Manage UPI IDs in the same screen.

How to create a UPI ID using the BHIM app

  1. Download the BHIM app from Play Store or App Store
  2. Open the BHIM app
  3. Sign up or sign in using your phone number
  4. Once logged in, you will be asked to select your bank account
  5. Select the bank account for which you want to set a UPI ID
  6. Your bank details will be retrieved and a new UPI ID will be created and linked to the bank account
  7. In the “Profile” tab of the app, your UPI ID will be displayed with a QR code
  8. If you wish, you can add a new UPI ID by swiping left, just tap “Add UPI ID” and create a new UPI and submit it.

Also Read: Reset UPI PIN: How to Reset or Change UPI PIN in Google Play, Paytm, PhonePe, Amazon Pay Payment Apps

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