Why do I need to activate new UPI IDs?

To minimise issues like payment failures or delays, we recommend that you activate multiple UPI ID handles (@ybl, @ibl, @axl) for each of your bank accounts.

When you activate multiple UPI IDs, PhonePe can route your payment through an alternate handle in case the PSP bank associated with one handle is facing network issues. This way, PhonePe can ensure that your payment goes through quickly without failure. Hence PhonePe will be able to complete your payment via either of the activated UPI ID handles based on the respective bank’s performance at that time.

Note: While making any payment via UPI, you only need to select the bank account from which you want to pay the amount, and not your UPI ID. PhonePe will automatically complete the payment via any of the activated UPI ID handles.

Learn more about what if the SMS verification fails while activating new UPI ID handles.