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Repair Windows errors before they cause bigger problemsFix Now →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →You can pay or receive money through UPI without giving the other person your phone number: share your UPI ID (also called a Virtual Payment Address, or VPA) or your UPI QR code instead. This keeps your number out of the payment details you give that person; it does not make the transaction anonymous.
What to share instead of your phone number
| Payment route | What you share | Practical considerations |
|---|---|---|
| UPI ID or VPA | Your payment address | Easy to send in a message. The payer should verify the payee name and amount shown in their app before approving. |
| UPI QR code | Your QR image | Convenient for scanning in person or sharing as an image. Confirm the payee and amount shown in the app before authorizing. |
| Account number and IFSC | Your bank account details | Some apps and banks support this transfer route without requiring the beneficiary to be registered for UPI. Availability depends on the app and bank; it is a separate option, not the simplest UPI payment route. |
NPCI lists UPI ID and QR scan as ways to send money through BHIM and says users can view and share their static QR and payment addresses: BHIM UPI App – Instant Money Transfer App. Other apps may arrange these options differently.
How to find and share your UPI ID or QR
- Open your UPI app. Look in your profile, payment, or UPI settings area for your UPI ID/VPA or personal QR. The exact labels and layout vary by app. NPCI’s 2026 BHIM-UPI guidelines say a user-specific QR should appear on the profile page, with the UPI ID beneath it: BHIM-UPI Guidelines, updated 4 June 2026.
- Send the UPI ID or QR to the payer. You can share the ID as text or send the QR image. You do not need to provide your phone number as the payment address.
- Ask the payer to check the payment screen. Before authorizing, they should confirm the payee details and amount shown in their app. NPCI’s FAQ explains that a QR payment page displays merchant information; details shown can depend on the payment and app: NPCI UPI Frequently Asked Questions.
- Keep your UPI PIN to yourself. Enter it only in your payment app when you intend to authorize a transaction. NPCI warns: “Please do not share your UPI-PIN with anyone.”
Hide the phone-number-based UPI ID in BHIM
In BHIM, you can disable the phone-number-based ID mobilenumber@upi after creating a secondary UPI ID. Use BHIM’s profile privacy control to disable that ID, then give people your active secondary UPI ID or its QR instead. NPCI says the QR associated with the disabled ID is disabled as well, so do not keep sharing that QR. See NPCI’s BHIM product information for the documented feature.
This specific privacy control is documented for BHIM. Do not assume another UPI app has the same toggle; check that app’s current profile or privacy settings.
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Does this remove your phone number from UPI?
No. Using a UPI ID or QR means you do not have to give the payer your phone number as the payment route, but it does not establish anonymity. Your number may still be used to register or verify your UPI app. NPCI’s FAQ says the mobile number linked to your bank account must match the number verified in the UPI app to fetch bank accounts.
With account number and IFSC, a transfer may be possible without the beneficiary registering for UPI, subject to the sender’s app and the banks’ enabled services. Since this shares bank account details rather than a UPI ID or QR, use it only when that route is appropriate.
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