Introduction:

Over the years, UPI (Unified Payment Interface) has revolutionized the way we make payments, offering convenience linked to our bank accounts. However, the occasional payment failure or slow transaction can be a hiccup in this process. Smart Routing is a solution to mitigate these challenges. Let’s explore what Smart Routing entails and how you can enable it to ensure seamless transactions.

What is Smart Routing?

UPI IDs are linked to your bank account, and payments are processed through bank servers. Unfortunately, UPI payments may fail due to server glitches, overloads, or other issues. Smart Routing comes into play by providing additional UPI IDs, improving the chances of payment success. It acts like alternative routes, ensuring your transactions find the most efficient path.

Example:

Imagine commuting from home to the office. You usually have four routes to choose from. If your usual route is congested, you take an alternate path. Similarly, multiple UPI IDs serve as alternative routes for transactions. If one UPI ID encounters issues, the UPI app automatically selects another, ensuring a seamless payment experience.

How Many UPI IDs Can You Have?

Users can add up to four UPI IDs to their bank account. Having multiple UPI IDs for the same bank account reduces the risk of payment delays or failures during UPI transactions.

How to Create Extra UPI IDs:

Creating additional UPI IDs is a straightforward process. Google Pay facilitates this by prompting users to add extra UPI IDs when a payment gets stuck or fails. Here’s how you can create additional UPI IDs:

1. Open Google Pay.

2. Go to Settings.

3. Select ‘Bank accounts.’

4. Choose ‘Add a new bank account.’

5. Follow the instructions to set up a new UPI ID.

Note: To activate UPI IDs, Google Pay sends an SMS on your behalf to partner banks. Standard SMS charges apply.

Does Having Extra UPI IDs Change Anything?

No, there are no significant changes. Transactions still occur from your bank account as usual. The advantage of having extra UPI IDs lies in the ability to route transactions through an alternative UPI ID if the usual route is unavailable.

Not to Miss:

It’s essential to note that logging out of Google Pay renders your bank accounts inactive. Upon logging back in, you’ll be prompted to reactivate your bank account, and any extra UPI IDs you created will be reactivated as well.

Conclusion:

Smart Routing through extra UPI IDs is your ticket to smoother transactions on Google Pay. By diversifying your UPI IDs, you ensure that your payments find the best route even if the usual path hits a roadblock. Keep your transactions hassle-free and enjoy the convenience of UPI without the worry of payment failures. Happy transacting!