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Create a UPI QR code for receiving INR payments

Turn a UPI ID into a scan-to-pay QR with the payee name and optional INR amount, note and reference for supported UPI apps in India.

  • UPI payment URI format
  • Optional INR amount and note
  • Works with supported UPI apps

UPI QR choices

Choose a QR structure that matches how you receive money

This generator prepares a UPI payment URI for scan-and-pay. Formal merchant acceptance, category codes, transaction callbacks and reconciliation require onboarding with an acquiring bank or payment provider.

UPI ID or VPA

Use the complete address in name@provider format. It is a payment address, not necessarily the same as an email address or phone number.

Recognizable payee name

Add the person or business name the payer expects. The app may resolve and display bank-verified beneficiary information separately.

Reusable QR without an amount

Leave the INR amount empty for donations, tips or variable bills. The payer enters the amount in the UPI app.

QR with a fixed amount

Prepare an exact INR value for a product, invoice or order so the payer does not need to type it.

Payment note and reference

Add short context such as an order number. Availability and how these values appear can vary between UPI apps and providers.

Merchant-integrated UPI QR

Use an acquirer solution when you need merchant category code, unique order IDs, signed responses, webhooks, refunds or automated settlement matching.

Learn more

A UPI QR is faster than typing a VPA, especially when the handle is unfamiliar

UPI IDs can contain dots, dashes and a provider handle, so copying one from a sign or invoice is easy to get wrong. A UPI QR passes the VPA and payment details to a compatible app. The app resolves the beneficiary and asks the payer to review and authorize the transfer. The QR itself does not debit an account, validate a merchant or confirm settlement.

No manual VPA entry

The payer scans the complete UPI ID instead of typing a long or unfamiliar payment address.

Less ambiguity at checkout

A prepared payee name, amount and short reference give the payer useful context before approval.

Interoperable scan-and-pay flow

The URI uses standard UPI payment fields that supported UPI apps can read and present to the payer.

Inside the QR code

What is stored in a UPI QR code?

The QR contains a URI beginning with upi://pay. Query parameters identify the payee and can include an amount, note and transaction reference. A supported UPI app interprets those fields and controls the actual authorization.

pa contains the payee VPA

The payment address must be entered in full, such as merchant@bank. The generator checks its basic structure but cannot confirm that the VPA exists or can receive money.

pn gives the payer a readable name

The payee name helps explain the request. It must not be used to override or contradict the beneficiary information resolved by the UPI app.

am and cu prepare the amount in INR

When an amount is entered, the URI includes am and cu=INR. Without am, the payer normally enters the value after scanning. Limits still come from the app, bank, account and transaction type.

tn and tr add context, not proof

A note and reference can help identify an order, but apps may display them differently. They are not a signed receipt and do not prove that payment settled.

The scanner needs to understand UPI

The most reliable path is the Scan & Pay function in a UPI app. A generic camera may display the URI, ask which app to open or do nothing if no handler is installed.

A generated URI is not merchant onboarding

Merchant category code, verified merchant status, unique transaction handling, callbacks and refunds are provided through the acquiring bank or payment service relationship.

UPI payment URI example

VPA: merchant@bank · Payee: Example Store · INR 499.00 · Reference: ORDER-1042 — upi://pay?pa=merchant%40bank&pn=Example+Store&tr=ORDER-1042&tn=Order+%231042&am=499.00&cu=INR — A compatible UPI app opens the payment screen with the payee and prepared details, then asks the payer to verify and authorize.

Check before publishing

  • Scan from the Scan & Pay screen of at least two UPI apps rather than relying only on the phone camera.
  • Check that the resolved beneficiary name matches the intended recipient; stop if it does not.
  • If the VPA cannot be resolved, copy it into the receiving app's profile and confirm every character before regenerating the QR.
  • Compare the displayed INR amount with the invoice or sign, including decimal places.
  • Keep notes and references short; confirm how they appear in the UPI apps your customers use.
  • Never ask a payer to share a UPI PIN or OTP. A UPI PIN is entered inside the payer's app to authorize a debit, not to receive money.
  • Inspect printed signs for replacement stickers and place the expected payee name beside the QR.
  • Verify settlement in the receiving account or merchant dashboard instead of accepting a screenshot as final proof.

8 checks before publishing a UPI QR code

The main risks are a wrong VPA, an unexpected beneficiary, a misleading amount and a QR that has been replaced. Test the real payment screen and preserve a clear visual path for verification.

Copy the UPI ID from the receiving app

Do not recreate a VPA from memory. Copy it from the bank or UPI app profile that controls the receiving account.

Use a name the payer recognizes

Enter the public person or business name used on the invoice or sign, then confirm the app-resolved beneficiary does not conflict with it.

Use fixed amounts only when they stay correct

A fixed amount suits one item or invoice. Leave it empty for variable totals and regenerate the QR whenever a fixed price changes.

Keep the reference useful and unique

Use a short order or invoice reference when needed. For reliable automated reconciliation, use a merchant integration that creates and tracks transaction-specific references.

Protect contrast and quiet space

Use dark modules on a white or very light solid background and keep a clear border on all sides. Avoid gradients or busy images behind the code.

Do not overuse logos

Large logos can cover payment data modules. Keep the centre mark small, leave the three corner markers untouched and test at final print size.

Show the expected payee beside the code

Print the business or recipient name and, for fixed payments, the amount. This gives the payer something concrete to compare with the app.

Test and monitor the physical placement

Try several UPI apps, make an appropriate small test payment, verify receipt and regularly check that no replacement sticker has been placed over the QR.

Features

Features

Scheme-specific validation

Account identifiers, amount formats, references and field lengths are checked for the selected payment standard.

Generated locally

The payment payload and barcode are created in the browser; the generator does not move money or register an account.

PNG and SVG exports

Download a raster image for everyday use or a scalable vector for invoices and high-quality print.

Protected fixed formats

Standards with prescribed rendering disable incompatible color, logo, shape and error-correction controls.

Optional payment context

Where the scheme permits it, prepare an amount, reference, due date or message to reduce payer entry.

Verification remains visible

The workflow reminds the payer to compare the beneficiary and amount in a compatible banking app.

Advantages & Limitations

Advantages

  • Avoids typing a complex UPI ID on a small screen.
  • Can prefill the payee, INR amount, note and reference.
  • Uses a standard intent structure understood by supported UPI apps.
  • Works on printed material and screens without exposing bank account and IFSC details.

Limitations

  • A basic QR cannot confirm that the VPA exists or that a payment settled.
  • Generic phone cameras and unsupported apps may not open the UPI flow.
  • A personal UPI URI lacks the controls and reporting of an onboarded merchant solution.
  • A valid replacement QR can redirect payment unless the payer verifies the beneficiary.

From a UPI ID to a prepared payment screen

How does a UPI QR code work?

UPI IDs can contain dots, dashes and a provider handle, so copying one from a sign or invoice is easy to get wrong. A UPI QR passes the VPA and payment details to a compatible app. The app resolves the beneficiary and asks the payer to review and authorize the transfer. The QR itself does not debit an account, validate a merchant or confirm settlement.

Enter the UPI ID and payee name

Copy the complete VPA from the receiving app and add a name the payer will recognize.

Add optional payment details

Set an INR amount, note or reference when they help identify this payment, or leave the amount empty for a reusable QR.

Create, scan and verify

Generate the QR, open it from UPI apps and confirm the resolved beneficiary and amount before publishing.

Use cases

Use cases

Retail counters

Present a reusable or fixed-price UPI QR while showing the business name clearly beside it.

Freelancers and home businesses

Share a VPA without asking clients to type it and add an invoice reference when useful.

Invoices and order collection

Prepare the amount and order note, while using a merchant provider when automated reconciliation is required.

Events and clubs

Collect fees or shared expenses with a recognizable organizer name and clear payment instructions.

Tips and donations

Leave the amount empty so the payer chooses a value after scanning.

Remote payment sharing

Send the QR image in a trusted conversation so the payer can scan it from another device or use their app's gallery import.

Frequently asked questions

What is a UPI ID or VPA?

It is a payment address such as name@provider that routes a UPI payment without requiring the payer to enter bank account and IFSC details.

Can this generator verify a UPI ID?

No. It checks only the basic format. A supported UPI app resolves the beneficiary after scanning, and the payer must verify the displayed name.

Do I have to enter an amount?

No. Leave it empty for a reusable QR. Enter an INR amount when the code is for one known payment.

Will every phone camera open a UPI app?

Not necessarily. The most reliable method is scanning inside a UPI app. Generic cameras depend on the operating system and installed URI handlers.

Does a payer enter a UPI PIN to receive money?

No. A UPI PIN authorizes a debit from the payer's account. Never enter or share a PIN or OTP merely to receive money.

Can I use this QR for my business?

You can create a basic scan-to-pay URI. For verified merchant acceptance, MCC, callbacks, refunds, settlement reports and automated reconciliation, onboard through an acquiring bank or payment provider.

Does the QR image prove the payment was completed?

No. Confirm the credit in the receiving bank account, UPI app or merchant dashboard.

Can I change the VPA after printing?

Not in a static payment QR. Create and replace the image, or use an approved merchant solution designed for managed payment credentials.

Let customers scan instead of typing your UPI ID

Create the UPI payment URI, then test the beneficiary and amount in supported apps before sharing or printing it.

Create a UPI QR code