How To Create Custom UPI ID on Google Pay and Paytm: Step-By-Step Guide

The Indian Market has, since some years, increasingly embraced digital modes for payment, with UPI reigning as the king from affordable movie tickets to payments to local shopkeepers. The enormous use of UPI has also generated concerns regarding privacy and online scams, where fraudsters misuse personal information linked to UPI IDs.

For users' security, GooglePay and Paytm have added the option of creating custom UPI IDs, allowing customers to replace their real names or phone numbers with an alias. This feature not not only secures privacy but also allows more flexibility in personalizing digital transactions.

Why Custom UPI IDs Are Important

Most commonly, UPI IDs carry the phone number or name of a person (e.g., 9876543210@paytm or username@okicici). This means the user might conceal sensitive information through customization and use an alias instead, which lessens the risk of misuse while ensuring smooth transactions.

How to Create a Custom UPI ID on Paytm

• Changing Your UPI ID on Paytm
• Open the Paytm app on your own smartphone.
• Tap the profile icon on the top-left side.
• Scroll down to UPI & Payment Settings.
• Under UPI Account & ID, you see your current UPI ID.
• Tap the UPI ID → type your preferred alias → save.
• Creating a Custom UPI ID on Google Pay

Almost the same with GPay:

• Open the Google Pay app.
• Tap the profile picture on the top-right corner.
• Select Bank Account.
• Go to Manage UPI IDs.
• Select or create your new custom UPI ID and save it.

What's Next for UPI?

Experts say that further personalization, fraud detection, and security are going to be enhanced in the coming months. To the users, this custom UPI ID is the first step towards more private and safer digital payments.