> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-60c89f9a-mintlify-audit-missing-sections-1778528421.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Virtual UPI ID Format

> Using Smart Collect, you can create unique UPI IDs to be shared with your customers. The structure and components of these are explained below.

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`.

<Info>
  **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.
</Info>