UPI QR Code Generator.
Type your UPI ID and payee name. We render a UPI-spec-compliant QR you can download as PNG and print on a standee, on receipts, or at every table.
We follow the NPCI UPI deep-link spec (upi://pay). Nothing leaves your browser. Tested with PhonePe, Google Pay, Paytm and BHIM.
UPI QR is now the most reliable way for an Indian small business to accept payment. Customers scan with PhonePe, Google Pay, Paytm, BHIM, or any UPI app. You do not need a card machine, a POS subscription, or a battery to run it. Just one printed QR at the counter is enough. Some shops have a single laminated A4 QR by the till; others have small QR stickers at every table. Either way, the QR is just a structured string that follows the NPCI deep-link spec: upi://pay?pa=yourid@bank&pn=YourName&am=100&tn=note.
This tool turns a UPI ID and a payee name into a valid UPI QR, with optional amount and note fields. The QR renders in your browser, you download a clean PNG, and you print it. Nothing leaves your machine. The output is tested with the four most-used UPI apps in India, and works for both personal and merchant VPAs.
How to use the upi qr code generator
Enter your UPI ID (VPA). The format is name@bank, for example rohit@ybl, neha@upi, copperoven@hdfcbank. Find yours inside PhonePe under Profile → My UPI ID, or inside GPay under your profile picture.
Enter the payee name. This shows up on the customer screen before they pay, so it should match your bank account name or your shop name exactly. Mismatch here triggers UPI warnings on the customer side.
Optional: enter a fixed amount in rupees. Skip this if your bills vary; fill it for fixed-price services like a haircut, a tuition fee, or a consultation charge.
Optional: enter a note. The customer sees this on their UPI app. Notes like "Table 3" or "Invoice 421" help you reconcile payments later.
Click Generate QR. The QR appears below along with the raw UPI string in case you need to embed it elsewhere.
Click Download QR (PNG). Save the PNG, print at A5 or larger, laminate, and place at the till. For a multi-table restaurant, generate one QR per table with a different note for each.
Test by scanning with at least two different UPI apps before printing in bulk. Edge cases sometimes appear with longer payee names or special characters.
Why this matters for your business
Three reasons UPI QR codes matter more than ever for Indian SMBs.
Adoption. NPCI clocks well over 13 billion UPI transactions a month, with the user base growing across every Tier-2 and Tier-3 city. Almost every adult customer with a smartphone uses at least one UPI app, often two or three. Offering UPI is no longer a premium feature; it is the default.
Zero or low MDR. Unlike card payments where 1.5 to 2 percent disappears as the merchant discount rate, UPI to a personal VPA from a regular customer goes straight into your bank with no cut. Merchant UPI through an aggregator has slightly different commercial rules, but a printed QR linked to your personal or sole-proprietorship VPA stays clean for the long tail of small businesses. Over a year, the difference funds at least one extra month of your software stack.
No infrastructure dependency. No card terminal to recharge, no POS machine to lease, no SIM-based connectivity to maintain. A laminated paper QR works even when the power is out, even when the till is offline, even when the staff has changed. For a roadside chaat stand, a jeweller billing counter, or a doctor reception desk, that simplicity is decisive.
Tips for better results
- Print the QR with high contrast: dark modules on a plain white background. Skip fancy logos or background images that might confuse some scanner cameras.
- Test with PhonePe, GPay and Paytm before printing in bulk. The three apps occasionally treat the spec slightly differently.
- Skip the fixed amount if your prices vary across orders. Pre-filling Rs 100 confuses a customer buying for Rs 250 because most apps lock the amount when set.
- Match the payee name to your bank account exactly. If your bank says "Rohit Sharma" but your QR says "Copper Oven Bakery", many UPI apps will warn the customer that the name does not match, and they will pause before paying.
- Re-print the QR if you change your VPA or your bank. Keep the source PNG and PDF safe so you can re-size and re-print at any time.
- Keep one master QR at the till and another near the door so customers see it from outside before deciding to walk in.
- For multi-table service, print a small QR per table with a different note like "Table 3" so you can reconcile UPI receipts to specific tables at the end of the day.
Example
A real-world walkthrough
Indu Beauty Studio, a salon in Indore, wants to skip card MDR on weekend rush days. Their UPI ID is salon@ybl. They generate a QR with payee name "Indu Beauty Studio" and no fixed amount. They print the QR onto a small acrylic standee at the reception.
A customer pays Rs 850 for a haircut and color. She scans the QR with PhonePe, types 850, hits send. The money lands in the salon HDFC account in under 30 seconds. The salon owner gets a notification on her shop phone, confirms with a glance, and updates the day book. Over a month of Rs 5 lakh of UPI receipts at the salon, they save about Rs 8,000 in MDR they would have paid on a card machine. That covers the entire shop electricity bill.
Frequently asked questions
Is this a "merchant" UPI QR or a "personal" UPI QR?
It is whatever your VPA is. If your VPA is linked to a personal savings account, this QR is a personal P2P QR. If it is linked to a current account through a payment aggregator like Razorpay, PhonePe ForBusiness, or BharatPe, it is a merchant QR. The QR format is the same; what changes is who collects MDR and how reconciliation works.
Can customers send any amount with my QR?
Yes, if you leave the amount field blank. The customer types the amount when they scan. If you fill the amount field, most UPI apps lock the amount and do not let the customer change it.
Will the customer see my real name?
They will see whatever payee name you put on the QR, plus the verified bank account name when they confirm the payment. The two should match closely for trust. If they do not match, UPI apps usually show a yellow warning, and many customers will hesitate.
How do I know the customer paid?
You will get a notification on your bank UPI app (PhonePe, GPay, BHIM) within a few seconds. Reconcile against the customer screenshot if needed. For higher volumes, switch to a merchant aggregator that posts payment events to your billing system.
Are there transaction limits?
The NPCI default is Rs 1 lakh per UPI transaction. Some banks set lower limits per day. Big-ticket purchases at jewellers or showrooms often need bank-set per-day limit relaxation, which the customer can usually do in their UPI app settings.
What if my VPA gets blocked or compromised?
Change your VPA inside your UPI app, regenerate the QR, replace the laminated copy at the counter. Plan this as an annual hygiene step regardless of compromise, similar to rotating a password.
Can I embed the QR on my Google Business listing?
Not directly inside Google Business, but you can upload it as a photo in your profile or include the QR in your website which Google Business links to. Both surfaces are searched by customers before they walk in.
Does this work for foreign currency or international payments?
No. UPI is INR only. For foreign customers, use Razorpay, Stripe, or PayPal links separately. Those are a different workflow with different commercial terms.
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