A UPI ID is a unique and distinct address that identifies you and links your bank account to the UPI payment system through a secure payment gateway in India. UPI ID serves as a recognisable address, enabling users to send and receive money effortlessly. We would like to show you a description here but the site won’t allow us. A UPI ID is a virtual payment address (VPA) for every UPI user. Every user is required to generate a UPI ID in order to access the UPI services as a unique identifier for the user’s identity. In this guide, we'll break down the UPI ID meaning, how it works, and why it's become such a big deal in the world of digital payments. We'll also cover how to get your own UPI ID and how to use it safely.