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A UPI ID comprises of the following:
  • Username The username comprises of the prefix, the merchant identifier and the descriptor. For example,rpy.payto00000gaurikumari@icici consists of:
    • Prefix
    Static information. Value is rpy.
    • Merchant Prefix
      payto00000 is the standard merchant prefix. You can opt for a custom, 4-10 character merchant prefix as per your brand requirements. For example, acmevendor. To configure this prefix, click the click here button.
      • Add the custom prefix and click Save.
    • Descriptor
    10-16 character unique identifier of your customer provided by you. For example, gaurikumari.
  • Handle The name of the partner bank. For example, @icici.
Handy Tips
  • The combination of merchant identifier and custom descriptor must be exactly 20 characters. Special characters are not allowed in merchant identifier or descriptor.
  • Razorpay will auto-generate the descriptor if it is not provided at the time of customer identifier creation.