What does the ok prefix mean in a Google Pay UPI ID?

Google Pay UPI IDs start with ok because that prefix identifies Google Pay to the sponsor bank. @okhdfcbank is HDFC Bank, @okaxis is Axis Bank, @okicici is ICICI Bank and @oksbi is State Bank of India. The bank named in the handle is the sponsor bank, not necessarily where your money is held.

How do I find my Google Pay UPI ID?

Open Google Pay, tap your profile picture in the top right, choose Bank accounts, then select an account. Its UPI IDs are listed there, typically ending in @okhdfcbank, @okaxis, @okicici or @oksbi.

Can someone pay my Google Pay QR from a different app?

Yes. A UPI QR code encodes an NPCI-standard payment URL, so PhonePe, Paytm, BHIM, CRED and every other UPI app can scan and pay it. There is nothing Google-specific about the QR itself.

GPay handles. Free forever.

Google Pay QR code generator

Paste your Google Pay UPI ID — the one ending in @okhdfcbank, @okaxis, @okicici or @oksbi — and get a QR code and payment link straight away. No signup, no fees.

Your QR will appear here

Type a UPI ID to start — it’s instant

Shareable link opens in any browser → tap to pay

Always verify the payee name shown in your UPI app before paying.

Works with every UPI app

GGoogle Pay
PPhonePe
PPaytm
BBHIM
CCRED
aAmazon Pay
WWhatsApp Pay
MMobiKwik
SSlice
$super.money
FFi
JJupiter
GGoogle Pay
PPhonePe
PPaytm
BBHIM
CCRED
aAmazon Pay
WWhatsApp Pay
MMobiKwik
SSlice
$super.money
FFi
JJupiter

How to find your Google Pay UPI ID

Open Google Pay and tap your profile picture in the top-right corner.
Choose Bank accounts and tap the account you want to be paid into.
The UPI IDs for that account are listed there. Copy one and paste it into the tool above.

Google Pay often creates several UPI IDs for one account across different sponsor banks. Any of them will receive money into the same place.

Why Google Pay handles start with “ok”

The ok prefix identifies Google Pay to the sponsoring bank in UPI’s routing layer. The bank named after it is the sponsor bank that issued the handle — not necessarily the bank holding your money.

@okhdfcbank, @okhdfc — HDFC Bank
@okaxis — Axis Bank
@okicici — ICICI Bank
@oksbi — State Bank of India

So an @okaxis UPI ID can perfectly well be linked to a Kotak savings account. This surprises people, and it is the single most common source of confusion about UPI handles. Full handle directory →

Things worth knowing

The QR is not app-specific

Nothing in the QR ties it to Google Pay. It encodes an NPCI-standard upi://pay URL that any UPI app can read.

Leave the name blank

Google Pay displays the verified name on the bank account regardless. Setting a different name in the QR only risks a mismatch warning.

GPay is more permissive on bank QRs

Unlike PhonePe and Paytm, Google Pay usually accepts account-plus-IFSC QR codes, sometimes after an extra confirmation. Do not rely on it if your payers use other apps.

Fixed amounts work fine

Enter an amount and Google Pay opens with it pre-filled. Fixed-amount QR codes →

Frequently asked questions

Do I need the Google Pay app to use this?

No. You need a UPI ID, which you may have got through Google Pay. The QR is generated in your browser and paid by whichever app the payer uses.

Is there a fee for receiving money?

No. UPI transfers between individuals carry no MDR, and settlement is instant and bank-to-bank. UPIPE takes nothing.

Can I get a QR code for my business with my shop name on it?

Not from a generator — that requires verified merchant status. Google Pay for Business, or a PSP such as Razorpay, issues those.