Google's UPI payment app, GPay, has revolutionised commerce in the 21st century. Cashless and contactless payments were a boon during the COVID-19 pandemic, and they continue to simplify payments to peers and merchants.

This ease of cashless transactions, where you can send or receive money anywhere, anytime, has also penetrated the rural segment. Indeed, many banks and NBFCs have followed suit and offered their customers the benefits of UPI payments.

But what is UPI, and how can you make payments from GPay? And what if you want to send someone money through GPay but don't know their UPI ID?

This article will discuss how to find UPI ID by Mobile number and much more.

What is a UPI ID?

UPI, or unified payment interface, is a unique digital address that identifies and connects your bank account with a secure payment gateway for transactions in India. UPI consists of letters and a special character that is easily recognisable and allows users to send or receive money in just a few taps. The format of a UPI is mostly username@bankname.

UPI ID doesn't require an online wallet from where you can send or receive money. Instead, it processes transactions directly to and from your bank account without sharing sensitive information with the payor or the receiver. This means you can make transactions stress-free without revealing your bank account or IFSC to merchants or peers.

What is a UPI ID Like?

A UPI ID is a unique identification for bank accounts in India. Mostly, you can add your name at the beginning, followed by @, and then a bank name. However, some UPI IDs also have a number instead of a username.

Examples of a UPI ID:

1: "username@ybl", or

2: 84002300@oksbi

Thus, your UPI ID username can be your name, email address, or mobile number, followed by @ and then the initials of the bank name (ybl, obi).

UPI IDs act as links that facilitate seamless online transactions. To receive or send money, you need only a UPI payment app like GPay, a bank account, and an internet connection.

How to Create a UPI ID on GPay?

You can easily create a UPI ID on Google Pay in simple steps. Download GPay from the Google Play Store and follow the steps mentioned below:

Step 1. Open GPay

Once downloaded successfully, open the GPay app on your mobile device.

Step 2. Tap on your Profile Picture

You will see a home screen with your Google profile picture at the top right. Tap on your profile picture to proceed to the next step.

Step 3. Add Bank Account

From the options, click on 'Add Bank Account'.

Step 4. Choose your Bank

You will see a drop-down of bank names by clicking on 'add bank account'. Choose your bank from this list.

Step 5. Verification

Google will verify your phone number by sending an OTP. GPay will auto-read the message, so you do not have to enter it manually.

Step 6. Link Bank Account

On the next screen, GPay will show all accounts you have at the bank. Select the bank account you want to link.

Step 7. Set UPI Pin

To secure your GPay profile, you must set a UPI pin for the account. This pin will act as a verifier whenever a payment is made on GPay from your account.

Step 8. Send/Receive Money

Once you set your UPI ID, you are ready to send or receive money.

Make sure you Remember your UPI PIN when paying a merchant or a peer. It is ideal to note down your UPI pin to prevent inconvenience in the future.

Make sure your phone number is registered with your bank account. If it is not, you will have to submit an application to your bank for registration.

How to Send Money or Pay Using your UPI ID?

You can pay using different methods on GPay. If you are making a merchant payment, you must scan their QR code. If you want to transfer money to a peer, you must have their UPI ID or mobile number. Follow the steps below:

Payment via QR Code Scan

Step 1. Open GPay

Step 2. Click on 'Scan QR Code'

Step 3. Place your camera scanner over the QR code so that it fits on your screen.

Step 4. Enter the amount you wish to pay, select the bank account to which you want to transfer the money, and click on 'Pay.'

Step 5. Enter your UPI pin and click on the 'tick' on your virtual keypad.

Step 6. Your payment will be successful if you have a fast internet connection and the required amount in your bank account.

Payment via Mobile Number

Step 1. Open GPay

Step 2. If the receiver is in your contact list, click on 'Pay Contacts'.

Step 3. Choose the contact you wish to pay. You can also search for their name in the search bar at the top of your screen.

Step 4. Enter the amount you wish to pay, select the bank account to which you want to transfer the money, and click on 'Pay.'

Step 5. Add an optional note.

Step 6. Review details before proceeding

Step 7. Enter your UPI pin and click on the 'tick' on your virtual keypad.

Step 8. Your payment will be successful if you have a fast internet connection and the required amount in your bank account.

You can also enter their number manually by clicking on 'Pay Phone Number' and following the prompts.

Payment via UPI ID

Step 1. Open GPay

Step 2. Click on 'Pay UPI ID'

Step 3. Enter the UPI ID of the receiver

Step 4. Enter the amount you wish to transfer, select the bank account to which you want to transfer the money, and click on Proceed.

Step 5. Add an optional note.

Step 6. Review details before proceeding

Step 7. Enter the UPI pin registered with the selected bank account.

Step 8. Your money transfer will be successful if you have a fast internet connection and the required amount in your bank account.

Before you transfer money using this method, you must ask for their UPI ID. If you do not already know it, ask them beforehand to enjoy seamless transactions.

How to Find a UPI ID on GPay?

Finding your UPI ID on GPay is very easy and a matter of seconds. Follow the steps below:

Step 1. Open GPay app

Step 2. Tap on your profile photo in the top right corner of the screen

Step 3. Tap on 'Bank Account'

Step 4. Choose the bank account registered to your UPI ID

Step 5. Click on 'Manage UPI IDs'

Step 6. You can check all your registered UPI IDs by clicking on the drop-down 'UPI IDs added.'

How to View UPI ID on GPay?

If you only have a single bank account or UPI ID, you can view it by following the steps below:

Step 1. Open GPay app

Step 2. Tap on your profile photo in the top right corner of the screen

Step 3. Your name, UPI ID, and UPI Mobile number are displayed at the top left of the screen beside your profile photo.

How to find google pay upi id by mobile number?

As mentioned above, you can pay an individual on GPay in several ways. If you do not know someone's UPI ID, you can still transfer money to their account, provided that they have a registered UPI ID on any app. If you have someone's mobile number, here is how you can find their UPI ID:

Step 1. Open the GPay app on your mobile phone

Step 2. Click on 'Pay Phone Number'

Step 3. Enter the phone number of the person whose UPI ID you want to find out.

Step 4. Tap on the account holder's name, and you will proceed to the next screen

Step 5. If you do not wish the person to know but still want to find their UPI ID, enter Re. 1 and click 'Pay Re. 1'

Step 6. Enter your UPI pin. If you do not wish to send Re. 1 to the person or do not want them to know that you are searching for their UPI ID, enter an incorrect PIN. Be aware that if you enter the wrong PIN three times, your UPI ID may be blocked for the next 24 hours.

Step 7. If you have entered the wrong PIN, the next screen will show that the transaction failed. All you need to do is click on the 'x' on the top left corner of the screen.

Step 8. Once you exit the payment failed page, you will see a payment transaction card that details basic info about the transaction, which in this case was a failed one.

Step 9. To see the account holder's UPI ID, click on the right arrowhead on the payment card

Step 10. On the next screen, you can see all the transaction details, including the account holder's full name, UPI ID, your name and UPI ID, and a Google transaction ID for future reference.

Even if you decide to send an amount to the recipient to find out their UPI ID, you can follow the same steps. Once the payment is successful, you will be redirected to the screen with your payment card displayed. Click on the right arrowhead and follow the same steps henceforth to know their UPI ID.

Conclusion

We have discussed everything from how to create and pay via a UPI ID to help find someone's UPI ID using their mobile number. GPay offers the flexibility of multiple payment options, so you do not need to know the recipient's UPI ID to complete a transaction.

You can pay anyone by scanning their UPI ID or entering their mobile number (if it is registered on a UPI app) to make payments and even find out their UPI ID.

FAQs

Can I make my mobile number as my UPI ID?

Yes. To set your mobile number as your UPI ID, follow the steps below:

1: Open GPay app

2: Click on your profile picture

3: Select the bank account for which you want to create a new UPI ID

4: Click on 'Manage UPI IDs'

5: Add a new UPI ID using your 10-digit mobile number

6: Wait for your bank's approval

7: Upon approval, your phone number will become your GPay UPI ID

Can I change my GPay pin?

Yes. You can change your GPay pin anytime you want. Follow the steps below:

1: Open the GPay app on your mobile phone

2: Tap on your profile picture on the top right of the screen

3: Select the desired bank account

4: Click on 'Forgot UPI PIN'

5: Google will conduct a verification on your registered mobile number or email address.

6: Follow the on-screen instructions to reset your UPI pin

Can I change my bank account and retain the same UPI ID?

Yes. You can change your bank account for the same UPI ID. Follow the steps below:

Open GPay app

1: Click on your profile picture in the top right corner of the screen

2: Select 'Bank Accounts'

3: Choose the bank account to change

4: Click on the three dots on the right of the screen

5: Click on 'Remove Account'

6: Tap on the sign (+) next to 'Bank Account' to add a new bank account

7: Follow the on-screen prompts to complete the process

Can I delete my GPay ID?

Yes. You can delete your Google UPI ID in a few simple steps, as mentioned below:

Open the GPay app on your smartphone

1: Click on your profile picture on the top right of your screen

2: Select the specific bank account

3: Click on 'Manage UPI IDs'

4: Select the UPI ID you want to delete

5: Click on the three dots on the right of your screen

6: Confirm your action

7: Your UPI ID will be deleted