UPI Payment Link Generator.
A UPI payment link is a upi://pay address that opens the payer’s UPI app with your UPI ID, name, amount and note already filled in. Enter those details and this tool builds the link, checks the UPI ID format and gives you an HTML "Pay with UPI" button to paste into your website.
The link asks the payer to send money to your UPI ID; it cannot pull money from anyone. upi:// links open on phones, not desktops, and many chat apps do not make them tappable, so use them as buttons on a web page or as a QR code. Nothing you type leaves your browser.
UPI Payment Link Generator is a free online tool from Neweb (neweb.ai) for small businesses, with no sign-up. A UPI payment link is a upi://pay address that opens the payer’s UPI app with your UPI ID, name, amount and note already filled in. Enter those details and this tool builds the link, checks the UPI ID format and gives you an HTML "Pay with UPI" button to paste into your website.
| Cost | Free, no account, no sign-up |
|---|---|
| Built for | small businesses, freelancers and sole proprietors |
| Made by | Neweb, the AI website builder and online presence manager (free plan; paid plans from $9/month billed yearly) |
Facts checked October 2026.
What you'll get.
A real example of what this tool produces. Run it above with your own inputs.
Every UPI QR code you have ever scanned is a short piece of text that starts with upi://pay. That same text works as a link: on a phone, tapping it opens Google Pay, PhonePe, Paytm, BHIM or whichever UPI app is installed, with the payee, amount and note filled in, and the customer only has to enter their PIN. For a business with a website, it is the simplest way to add a "Pay with UPI" button without signing up for a payment gateway.
This generator builds the link correctly. It checks that the UPI ID has the right shape, encodes the name and note so spaces and symbols do not break the link, formats the amount to two decimals and adds the currency. You get the raw link, a button that opens it on your phone so you can test it, and an HTML snippet for your site. There are no fees, because the money moves directly from the payer’s bank account to yours over UPI.
The tool is free, needs no sign-up and runs in your browser. It comes from Neweb, the AI website builder for small businesses, which has a free plan and paid plans from $9/month billed yearly ($19 month-to-month). Neweb builds the website where the button goes; for automatic payment confirmation and order tracking, you would add a payment gateway.
How to use the upi payment link generator
Enter your UPI ID exactly as shown in your UPI app, such as name@okhdfcbank.
Enter the payee name as it appears on your bank account, so customers recognise it on the confirmation screen.
Optionally add a fixed amount, a short note such as an order number and a reference ID.
Click Generate link, then open this page on your phone and tap Open in a UPI app to test it with a small amount.
Copy the button HTML into your website, or turn the same details into a QR code for print and chat.
Why this matters for your business
Fewer steps means more completed payments. A customer who has to copy a UPI ID, switch apps, paste it and type the amount often gets one of them wrong or gives up. A link does all four.
It costs nothing. A payment to your UPI ID arrives in your bank account directly. There is no gateway to integrate and no per-transaction fee from this tool.
When to use a UPI payment link, and when to use a QR code
Use the link as a button on a mobile web page: an order page, a booking confirmation, a "pay your fees" page. Use a QR code wherever the customer is looking at a screen or paper they cannot tap: a shop counter, an invoice PDF, a desktop website, or a WhatsApp message, where upi:// links are often not tappable. The UPI QR code generator makes the QR from the same details. Once the money arrives, acknowledge it with the payment receipt generator.
Tips for better results
- Test the link yourself with ₹1 before sending customers to it.
- Show a QR code next to the button on your website so desktop visitors can scan it with their phone.
- Use the note for an order or invoice number; it appears in your bank statement and makes matching payments easy.
- Some UPI apps limit or decline link payments to personal UPI IDs, especially for larger amounts. A merchant UPI ID from your bank or payment provider is more reliable for business use.
- Always confirm the credit in your own bank or UPI app before handing over goods. A screenshot from the customer is not proof of payment.
Example
A real-world walkthrough
Sugar Loft Bakery takes cake orders through a form on its website and wants customers to pay the advance straight away. The owner enters the bakery UPI ID, sugarloft@okhdfcbank, the payee name "Sugar Loft Bakery", an amount of ₹850 and the note "Order 1042".
The tool returns upi://pay?pa=sugarloft@okhdfcbank&pn=Sugar%20Loft%20Bakery&am=850.00&cu=INR&tn=Order%201042 and a button labelled "Pay ₹850 with UPI". She opens the page on her phone, taps the test button and sees her UPI app open with everything filled in. She pastes the button HTML into the order confirmation page and adds a QR code beside it for customers on laptops.
Frequently asked questions
What is a UPI payment link?
It is a link that starts with upi://pay and carries a short list of parameters, following the UPI linking specification published by NPCI. When opened on a phone, it launches a UPI app with the payee UPI ID (pa), payee name (pn), amount (am) and note (tn) filled in, ready for the payer to approve with their UPI PIN.
Is it free to create and use a UPI link?
Yes. Creating the link here is free, and a payment made through it is an ordinary UPI transfer from the payer’s bank account to yours. This tool is not a payment gateway, does not handle the money and charges nothing. Your bank’s own terms for your account still apply.
Why does the link not open when I click it on my computer?
upi:// links are handled by UPI apps, which run on phones. A desktop browser has nothing to open them with. Many chat and email apps also refuse to turn upi:// text into a tappable link. Use the link as a button on a web page that customers open on their phone, and offer a QR code everywhere else.
Can I create a UPI link without an amount?
Yes. Leave the amount blank and the payer types it in their UPI app. This is useful for donations, tips and general "pay us" buttons. Add an amount when you want the payer to send an exact figure, such as an invoice total.
How do I know when someone has paid?
You get the usual credit notification from your bank or UPI app, and the note you set appears in the transaction details. A plain UPI link does not notify your website. If you need your site to confirm payments automatically and update orders, you need a payment gateway or your bank’s merchant UPI service.
Is it safe to share my UPI ID in a link?
A UPI ID can only be used to send you money; it cannot be used to withdraw money from your account. The link is a request that the payer chooses to approve. The real risk runs the other way: never approve a "collect request" or enter your PIN to receive money, because receiving a payment never requires your PIN.
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