Unified Payments Interface (UPI) has made digital transactions easier than ever. With Paytm, users can now go one step further by choosing between a default UPI ID and a personalized UPI ID, giving more control over privacy and how you represent yourself in transactions. If you’re wondering about the difference between personalized and default UPI ID, here’s everything you need to know.
Difference Between Personalized and Default UPI ID in Paytm
| Features | Default UPI ID | Personalized UPI ID |
|---|---|---|
| Format | MobileNumber@ bankhandle | CustomName@ptyes / @ptaxis |
| Privacy | Phone number is visible | Phone number is hidden |
| User Choice | Auto-generated | Fully customizable |
| Use Case | General users | Professionals, privacy-seekers |
| Bank Support | All partner banks | Currently Yes Bank & Axis Bank |
What Is a UPI ID in Paytm?
A UPI ID is your unique digital payment address, allowing you to send and receive money without sharing sensitive bank information. Paytm creates this ID when you link your bank account on the app.
How to Create Your UPI ID on Paytm
Creating your UPI ID is quick and easy:
- Enter Mobile Number
Open the Paytm app, enter your mobile number, and verify it via OTP. - Link Your Bank Account
Select your bank to link your account and activate UPI. - Choose Primary Bank Account
Choose which linked account should be your primary for UPI transactions. - You’re Done!
Your UPI ID is now ready with formats like mobilenumber@pthdfc, @ptsbi, @ptaxis, or @ptyes.
What Is a Default UPI ID?
The default UPI ID is automatically generated using your mobile number and the associated bank handle. For example:
987xxxx210@paytm or 987xxx210@ptaxis
This ID is functional and easy to use, but it reveals your phone number during transactions, which may raise privacy concerns.
What Is a Personalized UPI ID?
Paytm now lets users create custom UPI handles such as yourname@ptyes or businessname@ptaxis. These personalized UPI IDs are currently available for Yes Bank and Axis Bank handles, with more expected to join soon.
With a personalized UPI ID, you no longer need to share your mobile number. This makes every transaction more private and gives users—especially freelancers, professionals, and business owners—a more professional digital payment identity.
“We have introduced personalized UPI IDs to offer more choice and privacy in payments. We heard the feedback from our customers who wanted to keep their mobile numbers private, and built this solution to address that need,”
said a Paytm spokesperson
How to Create a Personalized UPI ID on Paytm
Creating a custom UPI ID is simple:
- Open the Paytm app
- Tap the profile icon and navigate to ‘UPI Settings’
- Select ‘Manage UPI ID’
- Choose your preferred custom UPI handle (e.g., name@ptyes)
- Confirm and set it as your primary UPI ID
Once activated, all future transactions can be done via this ID—without revealing your mobile number.
Why Use a Personalized UPI ID?
- Improved Privacy: Your mobile number stays confidential
- Professional Identity: Custom name-based handles are ideal for freelancers or small business owners
- Ease of Recognition: Easier for payers to identify and remember
- More Control: You choose how you want to be identified on UPI
Conclusion: Whether you prefer the simplicity of a default UPI ID or the added privacy and personalization of a custom handle, Paytm offers you both options. The difference between personalized and default UPI ID in Paytm comes down to privacy, branding, and how you want to be represented in your transactions.
Choose what works best for you—Paytm personalized UPI ID vs default UPI ID is all about flexibility
