Using Smart Collect, you can create a unique virtual bank account number and UPI IDs to be shared with your customers. The structure and components of these are explained below.
The virtual bank account number consists of 16 digits.
Bank Account Number: 1112220040042526
A UPI ID comprises of the following:
The username comprises of the prefix, the merchant identifier and the descriptor. For example,
Static information. Value is
- Merchant Prefix
payto00000is the standard merchant prefix. You can opt for a custom, 4-10 character merchant prefix as per your brand requirements. For example,
acmevendor. Contact Razorpay Support to get this configured for your Razorpay account.
10-16 character unique identifier of your customer provided by you. For example,
The name of the partner bank. For example,
Merchant Identifier + Descriptor
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 virtual account creation.