Virtual VPA ID is a unique identifier that you create to identify each customer. It is part of the virtual UPI address to which the customer must make the payment.
Virtual VPA ID Format [Prefix Value][Virtual VPA ID]@[Partner Bank Handle]
If the Virtual VPA Id of a customer is John, the Virtual UPI address where the amount should be sent to will be [sampleprefix][john]@[bankltd]. The prefix value and the bank handles are static values.