Smart Routing: Why and how you can have multiple UPI IDs on Google Pay

This article discusses the concept of Smart Routing in UPI transactions. Smart Routing is a feature that improves the success rate of payments by routing transactions through different UPI IDs associated with a user’s bank account. It acts as alternative routes to avoid payment failures. Users can have up to four UPI IDs for the same bank account. The process of creating additional UPI IDs can be done through the Google Pay app. Having extra UPI IDs doesn’t change the transaction process, but provides alternative routes in case of unavailable payment routes.