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UPI Payments- Google Pay, Phonepe, Paytm, UPI PIN, UPI ID

All About Payments in India

What is Paytm UPI Address? How To Create it?

By Chandrakant Mishra | Published On May 19, 2018

When you transfer money through the Paytm, you get the option to send money to a UPI Address. This option is given along with the Bank account number. You may be wondering about this address. What is this UPI address and How would you know it. What is the benefit of this address over the bank account? In this post, I would answer these valid questions. I would also tell you the trick to find out the UPI ID of any Paytm user.

What is UPI Address in Paytm

Paytm Has Endorsed UPI

The term UPI address is new for many Paytm users. As this is only related to a new feature of Paytm – Bank to Bank transfer. In fact, the Paytm is promoting the UPI system in the name of ‘bank to bank’ fund transfer.

You may be aware that UPI payment system has changed the whole fund transfer system of India. Because of the UPI, the digital payment has become very easy. Lately, the Paytm has also understood the benefits of UPI. Hence, It has adopted the UPI payment system since 2018.

UPI Address is Unique to UPI Payment System

The UPI payment system is based on mobile. Only mobile users can use this system. In this method, The money is transferred immediately. The system never shuts down and you can transfer money 24×7. As of now, this system is free to the consumers. There is no charge for UPI transactions. The unique thing about this system is UPI address.

Also Read – What is Paytm Postpaid

How To Find Your UPI ID from Phonepe, Google Pay and Paytm

secure alternative to Bank Account Number

The UPI ID or UPI address is the virtual payment address. It is similar to the email address for example- xyz@paytm, abc@sbi, kgh@icici etc. This address is used in place of the bank account number and IFSC.

In the normal course, we need bank account number and IFSC of the beneficiary to send the money. But UPI has ended this requirement. Rather, you can transfer money to a payee without knowing the bank account number. You only need UPI ID of the payee.

Every user of the UPI system has to create a UPI address. This address gets linked to the bank account. So when a person sends money to this address, it goes into the linked bank account. In fact, it acts as intermediary and hides the bank information.

Also Read: Paytm QR Code: Payment to Bank Account Without Charges

However, the UPI system also gives you the option to use bank account and Aadhaar number instead of the UPI ID. But, Paytm has only adopted the UPI address and Bank account number for fund transfer.

Paytm UPI Address
The ‘bank Transfer’ of Paytm Requires UPI address and Bank account number of the Payee. If you choose the mobile number It would become a Paytm Wallet Transfer.

How to Create UPI Address in Paytm

So now you know that UPI address is an easier and secure alternative to the bank account number. It is sufficient to make a payment. But do know your own UPI ID. How can other person send you the money in the same manner?

Recommended – Paytm अकाउंट कैसे बनाएं, ट्रांजैक्शन कैसे करें

As I have said, every UPI user has to get a UPI address. Most of the UPI apps lead you to create one in the beginning. Like email address, you can even choose your own UPI ID. But, it is not as simple in the Paytm. In fact, you may not find the way to create it in the Paytm.

In fact, the Paytm does not permit you to create a UPI ID. Rather, It automatically creates it for you. That is why you can’t find the way to create it. However, you can find out your pre-created UPI Address.

Paytm UPI ID

How To Find Out UPI Address of a Paytm User

UPI address is convenient and secure than the bank account. But you have to still ask it for making a payment. What if you know it without contacting the beneficiary. It is possible in Paytm. Today, I will tell you this trick.

As I have said that Paytm itself creates UPI address for every user. To create it, Paytm picks the mobile number of the user. As the mobile number is unique to most of the user, the Paytm successfully uses this mechanism. The normal UPI address of Paytm user would be like 9876543210@paytm.

So, if you want to know the UPI ID of a beneficiary just pick his/her mobile number and add @paytm. Put this UPI ID in the beneficiary column and verify it. If the system shows correct name, go ahead and make a payment.

By using this method, Paytm identifies your contacts and make the fund transfer easier. It has become as easy as sending an SMS.

Recommended: Paytm Bank: 10 Most Important Features

paytm upi address

Benefits of UPI Address

  • It is a virtual payment address. Because of this address, you don’t expose your bank account number.
  • You can make several UPI ID as per your need.
  • Because of UPI address, it has become very easy to find out the payee.
  • Unlike bank account number and IFSC, it is easy to remember a UPI ID.

Also Read: Top 5 benefits of UPI ID


In this post, I have told you about the UPI address of the Paytm. Next, you can make UPI money transfer through the Paytm. You can also learn how Paytm sells the digital gold what is the benefit of it. If you have any problem, you can also contact to Paytm Customer Support. It is very efficient.

Filed Under: Paytm

About Chandrakant Mishra

Chandrakant Mishra is the Founder-Editor of the upipayments.co.in and PlanMoneyTax.Com. He has written more than 600 articles on payments, tax, investment, insurance and saving. He has been associated with the CNBC Aawaz Business Channel as Assistant Editor.

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Reader Interactions

Comments

  1. Chandrakant Mishra says

    April 15, 2019 at 1:15 PM

    I am unable to understand your query

  2. Rajashree (Bangalore) says

    April 12, 2019 at 10:36 PM

    In UPI paytm my mobile number should add or some one else I have to add for cash back confusing please tell me the details about this. Thanking u

  3. Azhagudhurai.P (Ariyalur) says

    January 10, 2019 at 12:43 PM

    How to know for UPI Address

  4. Chandrakant Mishra says

    June 20, 2018 at 6:23 PM

    There is no way to recover it as transfer is immediate.

  5. Vikram says

    June 20, 2018 at 3:26 PM

    Using BHIM App I have send money to a wrong upi. Can you kindly suggest a way to recover my money?

  6. Saramma k j says

    June 16, 2018 at 12:09 AM

    mera balance nhi aya h bhi tak

  7. Nandhyala Gowthamam says

    June 4, 2018 at 9:38 PM

    not received to money in paytm upi

  8. Nandhyala Gowthamam says

    June 4, 2018 at 9:36 PM

    In paytm upi not received in a account

  9. Mumtaz says

    June 2, 2018 at 3:34 PM

    Plz mera upi edress mangta ha please confirm me plz

  10. Prashant gupta says

    May 24, 2018 at 7:49 AM

    Mere phone me upi se transfer nhi ho tha hai pahle ho rha tha

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