UPI QR Code Generator
Create a scannable UPI payment QR code from your UPI ID — set a fixed amount or leave it open so the payer enters any amount. Everything runs in your browser.
Reviewed by the CalcCafe editorial team · Last updated 18 July 2026 · How we test our tools
Example
Enter UPI ID test@okaxis, payee name Test Merchant, amount ₹250 and note Bill, then press Generate QR. The tool builds the NPCI deep link upi://pay?pa=test%40okaxis&pn=Test%20Merchant&am=250.00&tn=Bill&cu=INR and renders it as a QR code. Anyone who scans it with GPay, PhonePe, Paytm or BHIM sees a payment screen pre-filled with the payee and ₹250.00 — they only confirm with their UPI PIN.
How it works
The tool assembles a upi:// deep link following NPCI's UPI linking specification: pa (payee address, your UPI ID), pn (payee name), an optional am (amount, fixed to two decimals), an optional tn (transaction note), and cu=INR (currency). Each value is URL-encoded so special characters like @ survive intact. That string is then encoded into a QR code using error-correction level M, which keeps the code scannable even if the print is slightly smudged. Leave the amount at 0 to omit it from the link — the payer's app will ask them to type an amount instead.
Good to know
A UPI QR code is nothing more than a URL in picture form. Every UPI app — Google Pay, PhonePe, Paytm, BHIM, and dozens of bank apps — understands the same upi://pay link format published by NPCI, the body that operates the Unified Payments Interface. That is why one printed QR works for every customer regardless of which app they use: interoperability is built into the specification, not into any single company's product.
There are two broad flavours of UPI QR. A static QR, like the ones this tool generates, encodes your UPI ID and optionally a fixed amount, and can be printed once and reused forever — this is the laminated code you see taped to counters in shops across India. A dynamic QR is generated fresh for each transaction, usually by a billing system, with the exact invoice amount and a transaction reference baked in. For a small shop, a stall, a tuition class or splitting rent with flatmates, a static QR is all you need.
Leaving the amount at zero makes the QR flexible: the payer's app simply asks them how much to send. This is ideal for donations, tips and shops where every bill is different. Setting a fixed amount is better when you charge a standard price, because it removes typing errors — the payer just confirms. Either way, print the code at a reasonable size (at least 3 x 3 cm), keep the contrast high, and write your name under it so customers can confirm they are paying the right person after scanning.
On safety: a UPI QR code can only ever be used to send money TO the account it names. Scanning a QR never debits your account by itself — money leaves only when you enter your UPI PIN to approve a payment. The common 'receive money by scanning this QR' scam works by tricking victims into scanning a code and entering their PIN, which is always a payment, never a receipt. Never enter your PIN to receive money, and verify the payee name your app displays after scanning before you approve anything. This generator runs entirely offline in your browser; your UPI ID is never transmitted to us or anyone else.
Frequently asked questions
Which apps can scan the QR codes this tool makes?
Any UPI-enabled app — Google Pay, PhonePe, Paytm, BHIM, Amazon Pay and most Indian banking apps. The QR encodes the standard NPCI upi://pay link format, which every certified UPI app is required to understand, so one code works for all payers.
Is my UPI ID uploaded when I generate a QR?
No. This tool runs entirely in your browser — the QR code is computed on your device using JavaScript and nothing you type is sent to any server. You can even load the page, go offline, and still generate codes. Your UPI ID never leaves your device.
Should I set a fixed amount or leave it open?
Leave the amount at 0 for a flexible QR where the payer types any amount — best for donations, tips and variable bills. Set a fixed amount when you charge a standard price; the payer's app pre-fills it, which avoids typing mistakes. You can print both versions if you like.
Can someone steal money from me using my UPI QR code?
No. A QR code can only direct money INTO the UPI ID it contains. Money leaves an account only when the account holder enters their UPI PIN to approve a payment. Beware of scams asking you to scan a code and enter your PIN to 'receive' money — entering your PIN always sends money, never receives it.
People also ask
How do I create a UPI QR code for my shop for free?
Enter your UPI ID (for example yourname@okaxis) and your shop name in this tool, leave the amount at 0 so customers can pay any bill value, generate the QR, then print it at 3 x 3 cm or larger and display it at your counter. It works with every UPI app and costs nothing.
What is inside a UPI QR code?
A plain-text link in NPCI's format: upi://pay?pa=<UPI ID>&pn=<name>&am=<amount>&tn=<note>&cu=INR. The pa field is the payee's virtual payment address, am is an optional fixed amount, and cu=INR sets the currency. UPI apps parse this link and open a pre-filled payment screen.
Does a UPI QR code expire?
A static QR like the ones generated here never expires — it stays valid as long as the UPI ID behind it is active. If you change banks or your UPI ID is deactivated, payments to the old QR will fail and you should print a new code with your current ID.
Related calculators
Sources & references
These tools follow our methodology and provide educational estimates only — verify important figures with a qualified professional.