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How to create UPI ID and register for UPI payments for easy transactions?

  • Updated on: 6 Jun 2024
  • Published on: 22 Aug 2023
How to create UPI ID and register for UPI payments for easy transactions?

Knowing how to make a UPI ID is an easy solution to enjoy seamless transactions. Thanks to digital advancements and the launch of the UPI facility, you no longer have to visit a bank to transfer money. With the Unified Payment Interface (UPI), you can effortlessly transfer funds from one account to another in seconds. 

Read on to learn how to set up UPI and more.

What is UPI and Why is it Important?

Governed by the Reserve Bank of India, UPI is a payment platform that has changed the way people transact. One of the key benefits it offers is instant secured payments from one account to another. You get to transfer funds with minimal information as compared to traditional methods like IMPS and NEFT, which require a lot of information about you and the recipient. 

Moreover, you have to add beneficiaries and wait for about 30 minutes to 1 hour before you can transfer funds. But with UPI, you can instantly transfer money with just a UPI ID or mobile number.

Read more: Best Banks for Saving Accounts

How to Get Started With UPI?

Simply create a UPI ID for your bank account. With it, you can enjoy several benefits that come with online transactions. But for that, you need to complete the UPI registration process. 

Understanding UPI Registration and UPI ID

To begin with the UPI registration process, link your bank account to the UPI app. For that, create your UPI ID, also known as VPA (Virtual Payment Address), by providing details like: 

  • Your account number
  • The IFSC code
  • The mobile number linked to your bank account

Once done, you will get a UPI ID number and a UPI ID. If you are wondering what a UPI ID number is, it is an ID with your mobile number as the primary UPI ID. The number has to be linked to the app and your bank account. 

After you complete the process, you can seamlessly and securely transfer money with your UPI ID or number. You can pay for: 

  • Online shopping 
  • Utility bills 
  • Credit card payments
  • Merchant stores

Step-by-Step Process of Creating UPI ID and Registering for UPI Payments

First, you need to download your preferred app. Some of the top and most common popular applications are: 

  • Google Pay
  • Paytm
  • PhonePe
  • BHIM
  • BharatPe

Once you have installed the app you want, follow the steps outlined below: 

  • Step 1: Register with the mobile number linked to your bank account 
  • Step 2: Complete the verification process
  • Step 3: Go to your profile or account section
  • Step 4: Select the ‘Bank Account’ option
  • Step 5: Choose the account you have
  • Step 6: Complete the verification through an OTP sent to your registered number

After you complete the above process, you will see multiple UPI IDs and numbers available under the profile section of the app. You can choose and edit any of the options as per your wish and click on ‘Activate’. You will receive an OTP for verification. Enter the code to complete the process. 

Then, you need to select a 4 or 6-digit number UPI PIN that will authorise your UPI payments. Make sure you add a strong PIN and remember it. You need to provide your debit card details to set up your PIN. 

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How to Send Money Using UPI ID?

To transfer funds using UPI ID, you need to install and launch a digital payment application, such as:

  • Paytm
  • Google Pay
  • BHIM
  • BharatPe
  • PhonePe

Then, you can follow these steps:

  • Step 1: Scan the QR code or enter the recipient’s ID or number 
  • Step 2: Add the transfer amount and note
  • Step 3: Confirm the transaction and Enter your PIN

After the payment is complete, you’ll be notified about the same through the app and by your bank. 

How Does UPI Work?

The Unified Payments Interface, UPI, has made payments simplified and more transparent. It’s a real-time payment system that allows inter-bank transfers through two-factor authentication. The interface is regulated by the RBI and works with existing systems, such as:

  • Immediate Payment Service (IMPS)
  • Aadhaar Enabled Payment System (AEPS)

Not only does it help you carry out push (pay) and pull (receive) payments, it also helps make:

  • Over-the-counter payments
  • Barcode payments
  • Recurring payments

The transaction flow in UPI payments is similar to that of other payment options. Once you initiate a payment request, the banks verify the account details and balance. After verification, the confirmation is passed on to the NPCI and then the transfer takes place.  

Now that you know how to make UPI ID and the various benefits of UPI payments, make sure you practice online hygiene practices for added security. Once you have it set up, you can use it for easy and quick transfers. You can even check your utility bills and other credit dues like loans on some UPI apps and pay your EMI easily with just your UPI ID number. 

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How to open a UPI account?

Here’s how to activate a UPI account:

  • Step 1: Install a UPI app and register using your bank-linked mobile number
  • Step 2: Complete the verification process
  • Step 3: Navigate to your profile or the account section
  • Step 4: Select the ‘Bank Account’ option and choose the account you wish to link
  • Step 5: Complete the verification via an OTP sent to your registered mobile number

What is the UPI code?

A UPI code is the PIN and ID you set when you create your UPI ID number. You require these details to complete any UPI transaction.

Can I open a UPI ID without a bank account?

No, you cannot because the ID facilitates fund transfers from the account.

Is it safe to share UPI ID?

Yes, because it doesn’t contain any sensitive information. Generally, your UPI ID is in the following format: 

  • yourname@bankname
  • registeredmobilenumber@bankname

Can I use UPI without mobile banking?

No, since you make digital payments through UPI, you need to activate the facility. 

How to create a UPI ID without a debit card?

Here’s how you can create a UPI without a debit card:

  • Step 1: Log in to a UPI app and navigate the ‘Add UPI ID’ option
  • Step 2: Choose an Aadhaar-linked bank account and create a UPI ID according to the app 
  • Step 3: Select ‘Aadhaar based verification’ and accept the terms and conditions
  • Step 4: Provide your Aadhaar number’s first 6 digits and click on ‘Confirm’
  • Step 5: Set up your UPI PIN
  • Step 6: Enter the OTP that you’ll receive on your registered mobile number
  • Step 7: Type in the UPI PIN and click on ‘Confirm’ to complete the registration

How to add UPI ID in Google Pay?

Log in to the app and follow this process:

  • Step 1: Click on your profile picture in the top right corner
  • Step 2: Go to the bank account tab and select the account added
  • Step 3: Select the ‘Manage UPI IDs’ option 
  • Step 4: Choose the UPI ID you want to add from the drop-down menu



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