UPI QR Generator
Create custom UPI QR codes for instant payments at your shop or business
QR Details
Leave empty for variable amount
Your QR Code
Enter UPI details and generate
How to Use
- • Enter your UPI ID (e.g., yourname@paytm, yourname@phonepe)
- • Add your shop/business name for customer reference
- • Set a fixed amount or leave empty for flexible payments
- • Download and print the QR code for display at your counter
Frequently Asked Questions
What is a UPI QR code and how does it work?
UPI QR code is a scannable image containing payment details (UPI ID, name, amount). Customers scan it with any UPI app (Google Pay, PhonePe, Paytm, etc.), verify details, and pay instantly. Amount transfers from customer's bank account to your bank account within seconds. No POS machine needed, works with just a smartphone.
Is there any charge for accepting UPI payments?
For P2P (person-to-person) UPI transactions, there's ZERO charge for both sender and receiver. This makes UPI ideal for small businesses, freelancers, and individuals. However, merchant UPI (for businesses with high volumes) may have nominal charges (0.5-1%) depending on bank and payment gateway. Check with your bank for merchant account terms.
Can I create a UPI QR code without a business account?
Yes, you can create a personal UPI QR code using your regular savings account's UPI ID. Any UPI app (GPay, PhonePe) lets you generate and share your QR code. However, personal accounts have transaction limits (typically ₹1 lakh/day). For businesses with higher volumes, consider merchant UPI accounts with higher limits.
What details are required to generate a UPI QR code?
Basic requirements: Your UPI ID (e.g., username@oksbi, username@ybl), Payee name (your name or business name). Optional: Fixed payment amount (useful for invoices, fixed-price products), Transaction note (helps identify payment purpose). This tool generates standard UPI QR codes compatible with all apps.
Can I use UPI QR code on my website or online store?
Yes, you can embed UPI QR codes on your website, WhatsApp Business, Instagram bio, email invoices, or printed bills. Customers scan and pay instantly. However, for automated order processing and payment verification, integrate proper payment gateways like Razorpay, Paytm, or PayU. Static QR codes work but require manual verification of payments.
How secure are UPI QR codes?
UPI QR codes are secure as they only contain payment details, not bank account info. Customers must authenticate payment with UPI PIN on their device. However, never share your UPI PIN or OTP with anyone, as these are confidential security credentials. Always verify payer details before providing goods/services.
How to Use This Calculator
- 1
Enter your UPI ID (e.g., 9876543210@paytm, yourname@oksbi). This is available in your UPI app's profile section.
- 2
Add payee name (your name or business name) that will be displayed to customers when they scan the QR code.
- 3
Optionally, enter a fixed payment amount if the QR code is for a specific invoice or product. Leave blank for flexible amounts.
- 4
Click 'Generate QR Code'. Download the QR image and display it at your store, on invoices, website, or social media for customers to scan and pay.
Key Terms & Definitions
- UPI (Unified Payments Interface)
- India's instant real-time payment system that enables inter-bank transactions via mobile apps. No wallet top-up needed, direct bank-to-bank transfer.
- UPI ID (VPA - Virtual Payment Address)
- Unique identifier for your bank account in format username@bankname (e.g., john@oksbi). Used for sending/receiving money without sharing account number.
- QR Code (Quick Response Code)
- 2D barcode that stores information (payment details). Scan with smartphone camera or UPI app to decode and process payment instantly.
- Static QR Code
- Fixed QR code with same payment details (UPI ID, name). Amount may be preset or flexible. Reusable for multiple transactions. Good for businesses.
- Dynamic QR Code
- Unique QR code generated for each transaction with specific amount, invoice ID. Used by payment gateways for tracking. Auto-expires after payment or time limit.
- Merchant UPI
- UPI account for businesses with higher transaction limits, settlement reports, and optional merchant discount rates. Requires business registration with banks.
Formulas & Calculations
UPI Transaction Limit
Limits vary by bank and UPI app. Check your bank's limits. For higher amounts, split into multiple transactions or use NEFT/RTGS/IMPS.
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