What is VPA in UPI – It’s Meaning & Benefits

byYashi DasLast Updated: April 19, 2024

A VPA in UPI is nothing but your UPI ID. Your UPI ID or VPA acts as a unique ID independent of your bank account number. VPA = UPI ID.

What is VPA in UPI

Your VPA is your UPI ID! 

Let the world not confuse you with any more technical terms. Let us tell you in straight words that a VPA in UPI is nothing but your UPI ID. Your UPI ID or VPA acts as a unique ID independent of your bank account number. Simple, right?

Let’s Understand VPA in Detail

Getting into details of things never hurt anyone. So let’s dive a little deeper into VPA in UPI. Virtual Payment Address (VPA) in UPI payments is like your email ID. It’s given to you so that you can have a unique identifier that can be used to send and receive money instantly. So instead of sharing your bank account details, you can simply share your VPA or UPI ID with others to initiate transactions. 

For example, your VPA could be something like “yourname@bankname (rohit123@paytm)” or the most common one “yourphonenumber@bankname (9989889898@paytm)”. When someone wants to send you money, they can enter your VPA instead of your account number and IFSC code. This makes transactions more convenient and eliminates the need to disclose sensitive account information.

Let’s say your Paytm VPA is rohit123@paytm. When someone wants to send you money using UPI, they can simply enter your VPA as rohit123@paytm instead of your bank account details.  Paytm users can create their unique VPAs by linking their mobile number or email address to their Paytm account. This enables them to make seamless and secure digital payments using the Paytm app or through UPI-enabled platforms. Remember, your VPA can be customized to suit your preference.

Note: There’s NO difference between a VPA and a UPI ID. Whether you prefer the technical term VPA or the more commonly used term UPI ID, they both serve the same purpose of enabling convenient money transfers.

VPA on Paytm 

When you sign up for a UPI account on the Paytm app, you’ll need to connect to a bank account. This bank account will be used to transfer money to and from your UPI account. The cool thing is that you can link multiple bank accounts to your Paytm UPI account and easily switch between them when you want to send or receive money.

Once your UPI account is ready, Paytm will automatically create a special virtual payment address called UPI ID or VPA just for you.

To find your UPI ID or VPA, simply go to the profile section located on the top left corner of the main screen in the Paytm app. From there, you can easily access and share your UPI ID or VPA to initiate seamless transactions with others.

Different payment apps create their own UPI VPA for users instead of allowing the use of an existing one.

When you register on a new payment app, you will be prompted to create a new UPI VPA associated with that particular app. This is because each payment app operates independently and manages its own UPI infrastructure.

Therefore, if you want to use multiple payment apps, you will need to create a separate UPI VPA for each app during the registration process. Each app will provide you with a unique VPA that you can use for making payments and transactions within that specific app.

How to Edit VPA or UPI ID on Paytm?

Step 1: Open Paytm app on your device.

Step 2: Locate and tap on your profile, found on the top left corner of the application.

Step 3: Select ‘UPI & Payment Settings’ and then click on ‘UPI ID’ to edit.

Step 4: Tap on ‘Add new UPI ID’ and choose your preferred UPI ID from the options available in the app.

Step 5: Click on ‘Proceed’ to create your UPI ID based on your preference, which can be used for initiating transactions.

A VPA (Virtual Payment Address) is primarily used in India’s UPI (Unified Payments Interface) system. It is used for peer-to-peer payments, merchant payments, bill payments, online shopping, and cash on delivery transactions. VPA provides a secure and convenient way to transfer money and make payments directly from a bank account without sharing sensitive banking information.

This blog aims to simplify processes for readers. However, it is important to note that some information and screenshots may be outdated as Paytm may change its user interface for improved usability. Readers are advised to cross-check the latest information on Paytm app for the most accurate and up-to-date instructions.


What does VPA stand for?

VPA stands for Virtual Payment Address (VPA). It is a digital ID that allows convenient sending and receiving of funds through UPI-enabled apps. With VPA, there is no need to enter separate details like bank account number, branch name, or IFSC code during transactions.

Is it safe to share my UPI VPA?

Sharing your UPI ID is generally safe for transactions. However, you must avoid disclosing sensitive details like PINs or passwords.

Will my UPI VPA expire if I don't use it?

Your UPI Virtual Payment Address (VPA) does not expire or become inactive even if you don't use it. However, if your VPA remains dormant for an extended period, you may need to reactivate it.

Can I use an existing UPI VPA on another payment app?

No, a UPI Virtual Payment Address (VPA) can only be used with a single payment app. If you link your bank account to a new UPI app, a new VPA will be created for you.

Can my UPI ID be misused by someone?

It's important to be cautious as fraudsters may attempt to misuse your UPI ID or mobile number associated with your UPI account. If you receive calls or messages from unfamiliar numbers or are unsure about the authenticity of the information shared, it is advisable to refrain from further engagement and take necessary measures to protect your personal information.

What is the maximum limit for a VPA?

When using BHIM or UPI, the maximum transaction limit per transaction is Rs 100,000, and the maximum limit per day for a single bank account is also Rs 100,000.

You May Also Like