A UPI QR code is a upi://pay link that holds your UPI ID (VPA), your name, and optionally an amount and a note; any UPI app that scans it opens a pre-filled payment screen. The money moves bank to bank as it would if the payer typed your UPI ID by hand. This generator only builds the link; it is not a payment gateway and takes no fee.
Everything is assembled in your browser. It produces a personal-style payment link, not a registered merchant QR, and that difference matters if you take payments for a business (see below).
How do you make a UPI QR code?
- Enter your UPI ID (VPA), the
name@bankhandle shown in your UPI app. - Enter the payee name that should appear on the payer's confirmation screen.
- Optionally add an amount and a note. Leave the amount empty for an open "pay any amount" code.
- Download the code and scan it with a UPI app, stopping at the confirmation screen.
With the VPA shopname@okbank, the name Asha Stores, INR 250, and the note "Invoice 118", the code holds:
upi://pay?pa=shopname%40okbank&pn=Asha%20Stores&cu=INR&am=250&tn=Invoice%20118Without the amount and note it is shorter, which also makes the code easier to scan:
upi://pay?pa=shopname%40okbank&pn=Asha%20Stores&cu=INRWhat do the parameters mean?
| Parameter | Meaning | Notes |
|---|---|---|
pa | Payee address (your VPA) | Required. The @ is encoded as %40 |
pn | Payee name | Shown to the payer; the NPCI linking specification caps it at 99 characters |
cu | Currency | The specification supports INR only |
am | Amount | Optional; leave empty for an open amount |
tn | Transaction note | Optional short description |
Is this the right code for a shop?
Often not on its own. In the NPCI linking specification, a merchant code includes a merchant category code (mc), and its presence puts the app in merchant mode. Orders that need reconciliation also carry a transaction reference (tr). This generator emits neither. That is fine for a friend, a freelancer, a temple donation box, or a stall run by an individual. A registered business that needs reports, settlement, and dispute handling should use the merchant QR its bank or payment provider issues.
Fixed amount or open amount?
- Open amount: good for a general "pay me" sign. The payer types the amount.
- Fixed amount: good for an invoice, a class fee, or a single item. One code per amount, so print or display it per transaction.
Apps decide whether a payer can edit a pre-filled amount, so confirm what you receive for a fixed price.
What could go wrong?
- A swapped sticker. A code in public can be covered by a fraudulent one. Payers should check the payee name on the confirmation screen, and you should check your own signs regularly.
- A typo in the VPA. A wrong handle sends money to a stranger. Scan your own code and read the name before printing.
- Refunds and disputes. A UPI link has no built-in order record. Keep your own log of expected payments.
How do you test it?
Scan with two different UPI apps and stop at the confirmation screen. Check the payee name, amount, and note. Confirm the file passes the QR validator, and follow the print size guide for size. For other payment methods and a wider overview, see how to accept QR code payments.
This article is general information, not financial or legal advice. UPI rules, limits, and app behavior are set by NPCI and by each bank and app, and can change.