# Quick Setup: Personal UPI

## 1. Find Your UPI ID

Open your UPI app and find your UPI ID:
- PhonePe: Profile → UPI ID (e.g., `9876543210@ybl`)
- Google Pay: Profile → Payment Methods → UPI ID
- Paytm: Profile → Payment Settings → UPI ID (e.g., `yourname@paytm`)

## 2. Add to .env File

Open `backend/.env` and add:

```env
# Your Personal UPI ID
PHONEPE_UPI_ID=your_actual_upi_id_here

# Examples:
# PHONEPE_UPI_ID=9876543210@ybl
# PHONEPE_UPI_ID=sunderrajan@paytm
# PHONEPE_UPI_ID=yourname@oksbi
```

## 3. Restart Backend

```bash
npm start
```

Or with PM2:
```bash
pm2 restart all
```

## 4. Test

1. Login to app as member
2. Go to any group
3. Click "Pay Installment"
4. Select "Pay via QR Code"
5. You should see your UPI ID and QR code
6. Test with a small payment

## That's it! 🎉

Total cost: ₹0 forever  
Transaction fees: 0%  
Setup time: 2 minutes

