Which UPI payment gateway has no KYC?

UPI requires users to link a bank account for transfers. All bank accounts must be KYC-compliant (Know Your Customer) as per RBI norms. Therefore, the foundation of UPI inherently involves KYC. However, you generally do not need to submit fresh KYC documents just to create a UPI ID on Payment Service Provider (PSP) apps like Paytm. The verification relies on the existing, KYC-compliant bank account and registered mobile number.