UPI ID Validator
Validate UPI Virtual Payment Addresses · identify provider · 100% client-side
Examples:
Enter a UPI ID like username@provider to validate.
Known UPI Provider Suffixes
| Provider | Handles |
|---|---|
Google Pay | @okaxis, @okicici, @oksbi, @okhdfcbank, @okbizaxis |
PhonePe | @ybl, @ibl, @axl |
Paytm | @paytm |
BHIM | @upi |
Amazon Pay | @apl |
WhatsApp Pay | @waaxis, @wahdfcbank, @waicici, @wasbi |
CRED | @axisb |
Axis Bank | @axisbank, @axis |
HDFC Bank | @hdfcbank, @hdfc |
ICICI Bank | @icici |
SBI | @sbi |
Kotak Bank | @kotak |
Yes Bank | @yesbank |
Bank of Baroda | @barodampay, @bob |
Razorpay | @razorpay |
About
A UPI (Unified Payments Interface) ID — also called a VPA (Virtual Payment Address) — is a unique identifier for sending and receiving money on India's UPI payment network. It takes the format handle@provider, where the provider suffix determines the payment app or bank. This tool validates that a UPI ID conforms to the NPCI format rules and identifies the payment provider from a curated list of known provider suffixes including Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, WhatsApp Pay, and major Indian banks.
How to use
- 1 Type or paste a UPI ID (e.g., username@okaxis) into the input field.
- 2 The validator checks the format — the handle must contain only letters, digits, dots, hyphens, or underscores; the @ sign must be present; and the provider suffix must be at least 2 characters.
- 3 If the format is valid, the tool shows the handle and provider suffix separately.
- 4 The provider is identified from a list of known suffixes (Google Pay, PhonePe, Paytm, BHIM, bank handles, etc.).
- 5 If the provider is not in the known list, the format is still valid — it may be a direct bank handle or a new provider.
- 6 Use the example buttons to test with common UPI handle formats.
- What are the rules for a valid UPI ID?
- NPCI defines a VPA as: (1) A handle of 3–256 characters containing only alphanumeric characters, dots (.), hyphens (-), or underscores (_). (2) Followed by a single @ symbol. (3) Followed by a provider suffix of 2–64 characters using the same allowed characters. No spaces are permitted. The handle is typically your name, phone number, or a custom alias set in your payment app. The provider suffix is assigned by the payment service provider (e.g., @okaxis for Google Pay via Axis Bank).
- Why do Google Pay handles have @okaxis, @okicici etc. instead of @googlepay?
- UPI requires that every payment service provider (PSP) is associated with a sponsoring bank that holds a banking license in India. Google Pay operates in India through multiple sponsor banks — Axis Bank (@okaxis), ICICI Bank (@okicici), SBI (@oksbi), and HDFC Bank (@okhdfcbank). The UPI handle suffix reflects the sponsor bank relationship, not the app brand name. This is why the same Google Pay user might have an @okaxis or @okicici handle depending on which bank they linked first.
- Can I verify if a UPI ID actually exists?
- This tool only validates the format of a UPI ID — it cannot verify whether the account is active or registered. To verify a real UPI ID, you need to initiate a live UPI collect request or use the NPCI VPA verification API (available only to registered payment service providers). In most UPI apps, you can type a VPA in the "Send Money" field and the app will confirm whether it is registered before you send money.