A UPI ID is a unique payment address that allows you to send and receive money through UPI without sharing your bank account number or IFSC code. A typical UPI ID follows this format:

username@handle

For example: priya@ptyes

The part before the @ identifies the user, while the part after it is the UPI handle, which identifies the bank or payment service provider.

Paytm UPI ID Format

Paytm follows the standard UPI ID structure prescribed by NPCI. Your Paytm UPI ID consists of:

• A unique username or identifier.
• A supported Paytm UPI handle, such as @ptyes, @pthdfc, or @ptsbi.

The available UPI handles may vary depending on your linked bank and the options shown in the Paytm app.

UPI ID Format Rules

A valid UPI ID should follow these basic rules:

• It must contain the @ symbol.
• It should include a valid username and UPI handle.
• It must not contain spaces.
• It should be linked to a bank account enabled for UPI.
• The complete UPI ID must be unique.

What Characters Are Allowed in a UPI ID?

A valid UPI ID generally contains:

• Letters (A–Z, a–z)
• Numbers (0–9)
• Certain special characters, such as a dot (.), hyphen (-), or underscore (_), depending on the UPI provider.

The exact characters allowed may vary based on the bank or payment service provider.

Tips Before Sharing Your UPI ID

• The UPI ID is entered correctly.
• The UPI handle after the @ symbol is correct.
• There are no extra spaces or typing errors.
• The recipient's name displayed in the Paytm app matches the intended person or business before you complete the payment.