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UPI IDs facilitate payments between customers and merchants. The UPI ID, also known as Virtual Payments Address (VPA), is unique to each customer. Users can share their UPI ID instead of sharing their bank account details with customers or family members when they need to receive payments. 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. A UPI ID (Unified Payments Interface ID), also known as Virtual Payment Address (VPA), is a unique identifier used in India’s digital payment system to facilitate seamless transactions.