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From my understanding, I think just your phone number/VPA is enough to send money. I am not sure how it works in practice but I assume the VPA concept is there
by actuator 6y ago
From my understanding, I think just your phone number/VPA is enough to send money. I am not sure how it works in practice but I assume the VPA concept is there so that your phone number is not exposed if you don't wish to.
- captn3m0 6y agoThis only works if both parties are on the same PSP and no VPA lookup over UPI is required. So if I am not registered on PhonePe, you can’t send me money using just my phone number there. For other cases, most PSPs will automatically register mobile@psp for you with an opt-out.