The adoption of digital payments and UPI has been rapidly rising in India. Payment apps like GPay have made transferring money between individuals incredibly quick and easy. A key component that enables seamless UPI transactions on such platforms is the VPA or Virtual Payment Address.

In this detailed guide, we’ll understand what VPA is, how to generate it on GPay, find your VPA ID, and utilize it for sending and receiving payments. Let’s get started!

What Is VPA?

What Is VPA In GPay

VPA stands for Virtual Payment Address. It is essentially a unique ID for your bank account that allows you to send and receive money through the UPI platform in a smooth manner.

On payment apps like GPay, your VPA is denoted by the UPI ID. A key advantage of VPA is that you can create multiple such IDs linked to the same bank account if needed.

Also Read: How To Change UPI Password In GPay In 6 Easy Steps!

Some major benefits of using a VPA are:

  1. It enables quick, real-time money transfers seamlessly through UPI without lengthy procedures of adding beneficiaries.
  2. There is no need to exchange bank account details with recipients. You simply share your VPA ID for them to transfer funds into your account.
  3. VPAs are widely accepted for payments at merchants and businesses implementing UPI payments.
  4. It ensures privacy as only your VPA is shared during transactions, not sensitive account details.

Creating & Finding VPA on GPay

Here, we will be talking about how you can easily create and find your VPA on GPay. So, let’s take a look.

1. Creating VPA On GPay

Here are the steps to create your VPA on the GPay app:

  • Download the GPay app on your Android or iOS device if not already installed.
  • Enter your mobile number to link it with a UPI ID that will become your VPA.
  • Next, select the bank account you want to associate this VPA with for transactions.
How To Find VPA In GPay
  • You will receive an OTP for verification via SMS or email. Enter it and set a UPI PIN too.
  • A default VPA will automatically be created using your account holder’s name and bank details.

2. Finding VPA on GPay

To check your VPA on GPay:

  • Open the GPay app on your phone.
  • Scroll down on the home screen to see the UPI ID section.
  • Tap the arrow icon next to your current VPA to view any other UPI IDs you may have created.
  • Your VPA is also visible under Profile > Bank accounts within the app.
How To Create VPA In GPay

Using VPA on GPay for Transactions

Once your VPA is set up on GPay, here is how you can use it:

1. Sending Money via VPA

  • Open the GPay app and select the money transfer option.
  • Enter the recipient’s VPA ID or scan their UPI QR code.
  • Review details and confirm the transaction using your UPI PIN.

2. Receiving Money via VPA

  • Share your VPA ID and QR code with the sender through message, email, etc.
  • If your number is saved in the sender’s contacts, they can directly find your ID.
  • Money will be instantly credited to your bank account linked with that VPA.

How To Change VPA on GPay?

In case you ever need to modify your VPA on GPay, follow these steps:

  1. Open the GPay app and go to Profile > Bank accounts.
  2. Select the bank account which has the VPA you want to change.
  3. Tap the ‘+’ or pencil icon next to your current VPA ID.
  4. Choose a suffix from the options to generate your new VPA.

Using your VPA intelligently on payment apps like GPay can make money transfers quicker, simpler, and more private. Just be sure to keep your VPA details secure for safety.

Also Read: How To Delete GPay Transaction History In 5 Easy Steps!



Leveraging the power of VPA for making digital payments using GPay and other UPI apps can make money management efficient. Just ensure you safeguard your VPA for security. We hope you liked our research-packed comprehensive guide.

Have more doubts? Feel free to drop them in the comment section below. We will keep coming up with more content like this in the future. For that, keep in touch with us!


1. Are VPA and UPI ID the same?

Yes, VPA and UPI ID refer to the same unique ID on payment apps.

2. Can you create your own custom VPA suffix?

No, you have to choose from preset suffix options while generating VPA.

3. What are the transaction limits on VPA payments?

UPI transaction limits are ₹1 lakh per transaction and ₹2 lakh per day as per RBI guidelines.

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