If this is your first time using UPI payments, you need to register your UPI ID. Here's a step-by-step guide to help you. 

Step 1- Install either the UPI-BHIM app or your bank’s enabled UPI app from Google Play Store or Apple App Store.

Step 2- Select your preferred language. Verify your mobile number. Select your bank account and account.

Step 3- Create your profile by entering basic details like your name, virtual ID and password. The virtual ID you create will be your payment address.

Step 4- Go to Add/Link/Manage Bank Account option on the app and link your bank and account number with the previously created virtual ID.

Step 5- Create your MPIN. This will be your password required to proceed with the transaction.

Step 6- You are successfully registered.

Once registered, you need to generate your mPIN (Mobile Personal Identification Number). You will need to enter this mPIN every time you need to make a transaction.