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In Google Pay India, your VPA is usually labeled your UPI ID. Find it by opening Google Pay → profile picture → Bank account → select the bank account → Manage UPI IDs. Your complete UPI ID appears near the top of that screen.
Find your VPA in Google Pay
- Open the Google Pay app.
- Tap your profile picture in the top-right corner.
- Under Payment methods, tap Bank account. If you do not see “Payment methods,” look for Bank account in the profile area.
- Select the bank account for which you want to view the VPA.
- Tap Manage UPI IDs.
- Read the UPI ID shown near the top, under the selected bank-account details.
Google Pay’s labels can vary slightly by app version, device, language, and account setup. These instructions apply to Google Pay for India, not necessarily Google Wallet or Google Pay products in other countries.
Google’s official instructions are available in its help guide to creating or finding a UPI ID.
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VPA means Virtual Payment Address. In Google Pay, “VPA” and “UPI ID” refer to the same type of UPI payment address. A fictional example is:
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example@oksbi
The username and bank or payment-service-provider handle in your actual ID may be different. Google Pay can create a UPI ID when you sign up, and its format may be linked partly to your registered Google Account information and the relevant PSP handle. Do not assume that every UPI-related identifier has the same format.
VPA, UPI ID, UPI PIN, account number, and IFSC
| Item | What it is | Should you share it? |
|---|---|---|
| VPA/UPI ID | Your UPI payment address, such as example@oksbi. |
Generally yes, when someone needs to send you money. |
| UPI PIN | Your secret authorization code for approving payments. | Never share it. |
| Bank account number | The identifier for your bank account. | Share only when needed for a trusted bank transfer. |
| IFSC code | The routing code for a bank branch. | Share only when needed for a bank transfer. |
Your VPA is not your bank account number, mobile number, or UPI PIN. Google Pay generally displays only the last four digits of a linked bank account. For the complete account number and IFSC code, check your bank’s mobile app, online banking, or passbook.
If you have multiple bank accounts or UPI IDs
Choose the specific bank account before opening Manage UPI IDs. Different linked accounts can have different UPI IDs, so do not assume that the first account listed is the one you need.
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Google’s current India help documentation says you can have up to four UPI IDs per bank account. If several IDs are displayed, copy the exact ID you intend to share and make sure it belongs to the correct account.
Google Pay may show an ID that you did not expect because it generated one automatically, because you have multiple IDs, or because the ID is associated with a different linked account. A UPI ID created in another UPI app or banking portal is not automatically the same as a Google Pay-created ID.
Can you add or delete a VPA?
Google Pay does not describe this as unrestricted editing of any text you choose. Instead, it lets you manage available UPI IDs from the account’s management screen.
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- Open Google Pay → profile picture → Bank account.
- Select the relevant bank account.
- Tap Manage UPI IDs.
- If the page shows an available slot, such as “1/3 UPI IDs added” or “2/3 UPI IDs added,” tap the down arrow.
- Tap Add beside an available UPI ID.
To delete one, open the same screen, tap the three-dot menu beside the relevant ID, and choose Delete. Before deleting an old ID, consider whether people, saved beneficiaries, or recurring payment arrangements use it. Google confirms the deletion option but does not document every possible consequence for every payment arrangement.
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Try these checks in order:
- Confirm that you are using Google Pay for India.
- Update Google Pay through the official app store.
- Check that an Indian bank account appears under Bank account.
- Open the individual bank account; the option may not appear on the general payment-methods page.
- Confirm that the phone’s active mobile number matches the number registered with your bank.
- Use a reliable mobile-data or Wi-Fi connection and retry.
- Check whether your bank supports UPI and is currently available.
- If you changed your phone, number, bank account, or Google Account, you may need to set up the account again. Google says restoring an old UPI ID requires the same phone number, device, bank account, and Google Account.
If the account still does not appear or the feature remains unavailable, contact Google Pay support and your bank. Bank compatibility and temporary bank-side outages can prevent setup or access.
How to share your VPA safely
You can generally share your visible UPI ID with someone who wants to pay you. However:
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- Never share your UPI PIN, OTP, debit-card PIN, card CVV, or Google Account password.
- You do not need to enter a UPI PIN to receive money.
- A request to enter your PIN to “receive” a payment is a major warning sign. Entering the PIN authorizes a debit or payment action.
- When paying someone else, verify the recipient name shown in Google Pay before confirming.
- UPI payments generally cannot be canceled after authorization, so check the ID, name, and amount first.
Google’s payment-safety guidance explains that the UPI PIN is used to send money, not receive it.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Can someone pay you from PhonePe or another UPI app?
Usually, a Google Pay-created UPI ID can be used for a payment from another compatible UPI app. The sender’s app, bank, and the recipient’s account must all be working, so interoperability does not guarantee success in every case.
The sender should enter your exact UPI ID and confirm the recipient name displayed before paying. Google also supports other payment routes, including phone-number and QR-code payments. Its current instructions for paying by UPI ID are available in the Google Pay help centre.
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If a VPA payment fails
- Check every character in the UPI ID.
- Confirm that the recipient name shown is correct.
- Try the recipient’s QR code or phone number.
- Ask whether the recipient has another active UPI ID.
- Check that your linked bank account is active and available.
- Check your internet connection and whether the bank is experiencing an outage.
- If money was debited but the payment failed, review the Google Pay transaction status and bank statement before trying again repeatedly.
Finding someone else’s UPI ID
Finding your own VPA uses the bank-account screen above. To pay another person, you can search for their UPI ID in Google Pay’s search bar or use another supported payment method. Always verify the recipient name before authorizing the transaction.
A person may not be discoverable by name or phone number if their privacy setting is disabled. They can review it through Profile picture → Settings → Privacy and Security → How people find you on Google Pay → Allow.
For background on UPI and VPA terminology, see the NPCI UPI FAQs.
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