UPI ID Validator & Checker: Verify Any VPA in 5 Seconds Before Sending Money
Stop worrying about wrong transfers! Our free tool instantly verifies if a UPI ID exists, shows the linked bank name, and confirms the receiver's name—all before you hit send.
Free UPI ID Validator Tool
Enter any UPI ID below to verify its validity and check the linked account details
Why Should You Verify UPI IDs? 6 Costly Mistakes to Avoid
A single typo in a UPI ID can send your money to a stranger. Here's why verification matters:
Problem #1: Typo Disasters
Typing "ram.kumar@oksbi" instead of "ramkumar@oksbi" seems minor, but that tiny dot can send Rs.50,000 to the wrong person—and there's no easy undo button.
Problem #2: Fraudulent UPI IDs
Scammers create UPI IDs that look similar to legitimate businesses. "flipkart.refund@upi" isn't Flipkart—it's a fraudster waiting for your "refund verification."
Problem #3: Deactivated Accounts
Your friend changed their phone number but never updated you. Sending money to their old UPI ID means your payment goes into a black hole.
Problem #4: Wrong Bank Handle
@ybl vs @ibl, @paytm vs @ptm, @oksbi vs @okhdfcbank—bank handles are confusing. One wrong letter = money sent to the wrong bank entirely.
Problem #5: Case Sensitivity Issues
Some UPI apps are case-sensitive. "John.Doe@upi" might not be the same as "john.doe@upi" in certain scenarios, leading to failed or misdirected payments.
Problem #6: Recovery is Nightmare
If you send money to the wrong UPI ID, recovery depends entirely on the receiver's cooperation. Banks can only "request"—they cannot force a reversal.
Did You Know?
According to RBI data, over Rs.1.2 lakh crore is lost annually due to wrong UPI transfers in India. Most of these could be prevented with a simple 5-second verification before sending.
How Does UPI ID Verification Work? 4 Simple Steps
Our validator performs multiple checks to ensure you're sending money to the right person:
Enter the UPI ID
Type or paste the UPI ID you want to verify (e.g., mobilenumber@upi, name@bankhandle, or any custom VPA).
Format Validation
We check if the UPI ID follows the correct format: alphanumeric characters, dots, hyphens allowed before @, valid bank handle after @.
Bank Handle Verification
We verify the bank handle (@oksbi, @ybl, @paytm, etc.) against our database of 200+ valid PSP handles to ensure it's a legitimate payment service.
Account Existence Check
We ping the NPCI network to verify if the UPI ID is active and retrieve the registered name (if available) without making any actual transaction.
Instant Results
Get verification results in under 5 seconds
Zero Risk
No money is transferred during verification
Name Confirmation
See the registered name to double-confirm
Bank Identification
Know which bank the UPI ID is linked to
What is a Valid UPI ID Format? 3 Types Explained
Understanding the correct UPI ID format helps you spot errors before they cost you money:
Type 1: Mobile Number Based
Type 2: Name Based
Type 3: Business/Custom
UPI ID Format Rules
- Must contain exactly one @ symbol
- Characters before @: letters, numbers, dots, hyphens
- Bank handle after @ must be from registered PSPs
- No spaces, special characters like #, !, $, etc.
- Maximum length: 256 characters (but typically under 50)
- Case-insensitive in most apps (but always verify)
5 Most Common UPI ID Errors (And How to Avoid Them)
These are the mistakes that lead to failed or misdirected payments:
Error #1: Wrong Bank Handle
Confusing similar-looking handles like @ybl (PhonePe), @ibl (ICICI), @okaxis (Axis OK)
Error #2: Missing/Extra Dots
Adding or removing dots in names changes the entire UPI ID destination
Error #3: Number Transposition
Swapping two digits in a mobile number-based UPI ID
Error #4: Copy-Paste Spaces
Hidden spaces get copied when pasting from messages or documents
Error #5: Similar Looking Characters
Confusing O with 0, l with 1, or I with l in UPI IDs
Complete Guide to 20+ UPI Bank Handles in India
The part after @ in a UPI ID indicates the payment service provider. Here are the most common ones:
| App/Bank | Primary Handle | Alternate Handles | Special Notes |
|---|---|---|---|
| PhonePe | @ybl | @ibl, @axl | Backed by Yes Bank, ICICI, Axis |
| Google Pay | @oksbi | @okaxis, @okicici, @okhdfcbank | "ok" prefix indicates Google Pay |
| Paytm | @paytm | - | Single handle for Paytm Payments Bank |
| WhatsApp Pay | @icici | @sbi, @axis | Uses partner bank handles |
| CRED | @axisbank | - | Powered by Axis Bank |
8 Situations When You Must Verify a UPI ID
These are the scenarios where verification saves you from costly mistakes:
Paying Rent to New Landlord
First-time rent payment? Verify to ensure you're not falling for a fake landlord scam.
Online Marketplace Purchases
Buying from Instagram/Facebook sellers? Validate their UPI before paying.
Business Payments
Paying vendors or freelancers for the first time—verify before transferring lakhs.
Sending Gift Money
Wedding shagun or birthday gift? Double-check the UPI ID you received.
Emergency Medical Payments
Hospital asking for UPI payment? Verify it's the official hospital account.
School/College Fees
Institution shared a UPI ID for fees? Verify before paying large amounts.
Vehicle Purchase Advance
Booking a car/bike with dealer? Validate the UPI to avoid deposit fraud.
WhatsApp Forward Payments
Friend forwarded a UPI for "urgent help"? Always verify—could be hacked account.
UPI Verification vs Validation: What's the Difference?
Understanding these two terms helps you know exactly what our tool does:
| Aspect | UPI ID Validation | UPI ID Verification |
|---|---|---|
| What it checks | Format correctness only | Format + Account existence + Name |
| Speed | Instant (offline) | 2-5 seconds (requires server check) |
| Example | Is "name@bank" a valid format? ✔ | Does "name@bank" actually exist? ✔ |
| Can detect | Typos in format, wrong characters | Inactive accounts, wrong person |
| Limitation | Can't tell if account exists | Can't verify person's identity |
| Our tool provides | ✔ Included | ✔ Included |
What Our Tool CAN Do
Confirm UPI ID exists, show registered name, identify linked bank, check format validity, detect common errors.
What Our Tool CANNOT Do
Verify person's physical identity, check account balance, guarantee receiver is who they claim to be, reverse transactions.
10 Most Asked Questions About UPI ID Validation
Everything you need to know about verifying UPI IDs before making payments:
Yes, our UPI ID validator is 100% free to use with no limits. You can verify as many UPI IDs as you want without paying anything. We believe everyone deserves to protect their money from wrong transfers.
Our verification is highly accurate as we directly query the NPCI network. However, the name shown is the one registered with the bank, which may be a shortened version or nickname. Always cross-verify the name with the person before sending large amounts.
No, we do not store any UPI IDs you verify. The data is processed in real-time and immediately discarded. We never share your search history or UPI information with any third parties. Your privacy is our priority.
The name shown is the one registered with the bank during KYC. Some people use nicknames, initials, or their name in a different format. Also, some banks show only first name or abbreviated versions. If unsure, send Rs.1 as a test and verify the debit message before sending more.
Yes, you can verify both personal and business UPI IDs. Business UPI IDs will show the registered business name. Look for verified merchant badges in your UPI app for additional confirmation when paying businesses.
This means either: (1) The UPI ID doesn't exist, (2) It was deactivated/deleted, (3) There's a typo in what you entered, or (4) The bank's servers are temporarily unavailable. Double-check the spelling and try again. If still not found, ask the person to re-share their UPI ID.
No, they're completely different. UPI ID verification only confirms the account exists and shows the registered name. KYC verification involves validating identity documents (Aadhaar, PAN, etc.) and is done by banks. Our tool cannot do KYC—it only helps you avoid sending money to wrong accounts.
No, our tool only shows the primary bank linked to a UPI ID. Users can have multiple bank accounts linked to one UPI ID, but this information is private. You'll only see the name and primary bank associated with that specific UPI address.
Immediately: (1) Take a screenshot of the transaction, (2) File a complaint in your UPI app, (3) Call your bank's customer care, (4) File a complaint on NPCI's website or RBI's Sachet portal, (5) If fraud is suspected, file an FIR. Recovery depends on the receiver's cooperation—banks can request but not force reversal.
Yes, unfortunately. Scammers can create UPI IDs with any name format before the @ symbol (like "hdfc.refund@" or "amazon.pay@"). However, our verification shows the actual registered bank account name, which may differ from the UPI ID prefix. Always match the name with who you're actually paying.
Protect Every Payment with 5-Second Verification
Don't let a typo cost you thousands. Verify any UPI ID instantly before sending money—it's free, secure, and takes just 5 seconds.