Unified Payments Interface, popularly known as UPI, has revolutionized the way Indians transact digitally. With instant money transfers, QR-based payments, and wide merchant acceptance, UPI has become one of the most widely used payment systems in the country. Among the many features offered by leading payment apps like Google Pay and Paytm, the option to create a custom UPI ID has gained popularity. A custom UPI ID not only makes it easier to remember your payment address but also adds a personal touch to your digital identity.
A UPI ID is similar to an email address and is used to send or receive money. Instead of sharing sensitive bank details such as account numbers or IFSC codes, users can simply share their UPI ID to complete transactions. By default, these apps generate a random UPI ID for every user. However, platforms like Google Pay and Paytm give the option to customize it, making it more personal and user-friendly.
How to Create a Custom UPI ID on Google Pay:
- Open the Google Pay app and log in using your registered mobile number.
- Tap on your profile picture at the top right corner of the screen.
- Go to “Bank Account” and select the bank account you want to link.
- Under the UPI ID section, you will find options to add or manage UPI IDs.
- Choose the “+” option to create a new UPI ID.
- Enter your preferred UPI ID (for example: yourname@okaxis or yourname@okicici).
- Save your changes, and your new custom UPI ID will be activated.
How to Create a Custom UPI ID on Paytm:
- Open the Paytm app and log in with your registered mobile number.
- Tap on your profile icon and go to “UPI & Payment Settings.”
- Select the bank account you wish to use for UPI transactions.
- Click on the “Create New UPI ID” option.
- Enter your desired UPI ID (for example: yourname@paytm).
- Confirm and save it. Your new UPI ID will now be available for all transactions.
Why Custom UPI IDs Are Beneficial:
- Easy to Remember: Instead of random numbers, you can use your name or business-related keywords.
- Professional Identity: A custom UPI ID looks professional, especially for freelancers and small business owners.
- Multiple IDs: Both apps allow users to create more than one UPI ID, providing flexibility.
- Privacy & Security: Sharing UPI IDs is safer than revealing bank details.
With the growing use of UPI, custom IDs have become a simple yet powerful way to enhance digital transactions. Whether for personal convenience or business purposes, customizing your UPI ID on Google Pay and Paytm ensures a smoother, faster, and more personalized payment experience.
