What Is a UPI QR Code?
A UPI QR code is a scannable image that encodes your payment details — your UPI ID (VPA), payee name, amount, and transaction note — into a single code. When a payer scans it using any UPI-enabled app like Google Pay, PhonePe, Paytm, or BHIM, the app automatically fills in all payment details. The payer only needs to confirm the payment with their UPI PIN.
UPI (Unified Payments Interface) is India's real-time payment system built and managed by the National Payments Corporation of India (NPCI). It allows instant bank-to-bank transfers 24×7 and is used by hundreds of millions of Indians every day — from grocery shops to large enterprises.
Why Use a UPI QR Code for Your Business or Personal Payments?
Whether you're a freelancer, a small business owner, a street vendor, or someone who frequently splits bills, a UPI QR code makes receiving money faster and error-free.
For Businesses & Merchants
- Customers scan the QR code without typing your UPI ID manually — eliminating entry errors
- The payment amount can be pre-filled, reducing disputes and underpayments
- No need for card machines, card fees, or POS hardware
- Settlement is instant — money arrives in your bank account in real time
- Works offline (the QR is just an image — no internet needed on the merchant's side)
For Freelancers & Professionals
- Attach a QR code to invoices and proposals to make payment a one-tap action
- Embed in email signatures or WhatsApp messages for instant payment requests
- Set specific amounts for projects, consultations, or deliverables
For Personal Use
- Collect money from friends for shared expenses, rent, or trips
- Generate a QR for every event and print it on the invitation or shared WhatsApp group
- Avoid typing errors when sharing long UPI IDs
How to Generate a UPI QR Code — Step by Step
Using this tool, you can create a UPI QR code in under 30 seconds. Here's how:
Step 1 — Choose Your Payment Address Type
Select how you'd like to receive payment using the tab buttons at the top of the form:
- UPI ID (VPA): The most common method. Enter your UPI Virtual Payment Address (e.g.,
yourname@oksbi,merchant@paytm,shop@ybl). - Bank Account: Enter your bank account number and IFSC code if you prefer direct account-linked payments.
- Mobile Number: Enter the mobile number registered with your UPI app. The QR will point to that number.
- Aadhaar Number: Use your Aadhaar-linked bank account as the payment destination.
Step 2 — Enter Merchant / Payee Name
Add your name or business name in the Merchant / Payee Name field. This appears on the payer's screen when they scan the code — it reassures them they're paying the right person.
Step 3 — Add Payment Details (Optional but Recommended)
- Transaction Amount: Pre-fill a specific rupee amount. Great for fixed-price services, product sales, or event tickets. Leave blank if the payer should choose the amount.
- Description / Note: Add a note like
What UPI Apps Work with This QR Code?
This tool generates standard NPCI-compliant UPI QR codes (based on the
upi://paydeep link format). This means the QR works seamlessly with every major UPI-enabled app in India:App Compatible Google Pay (GPay) ✅ Yes PhonePe ✅ Yes Paytm ✅ Yes BHIM ✅ Yes Amazon Pay ✅ Yes WhatsApp Pay ✅ Yes iMobile Pay (ICICI) ✅ Yes YONO SBI ✅ Yes Axis Pay ✅ Yes Any NPCI-certified UPI app ✅ Yes Because the format is standardized by NPCI, any UPI-certified banking or payment app can scan and process the payment without any special configuration.
Four Ways to Receive UPI Payments
This generator supports all four UPI payment address types so you can use whichever works for your setup:
1. UPI ID (Virtual Payment Address — VPA)
The most widely used format. Your UPI ID is a short alias linked to your bank account (e.g.,
ravi@oksbi,shop123@paytm). It's easy to remember and universally supported. Most merchants and individuals use this option.Generate UPI QR Code with Bank Account Number
No UPI ID? Select Bank Account, enter your account number and 11-digit IFSC code, and download a QR or A4 shop poster. Payments route directly to your bank via UPI — a feature most QR generators do not offer.
2. Bank Account + IFSC
If you don't have a UPI ID set up but want to accept payments directly to your bank account, you can enter your account number and 11-digit IFSC code. The QR will route payment directly to that bank account via UPI.
Generate UPI QR Code via Aadhaar Number
For Aadhaar-linked bank accounts, select Aadhaar and enter your 12-digit number. Ideal for rural and semi-urban merchants where UPI IDs are uncommon but Aadhaar banking is widespread.
3. Mobile Number
Your mobile number registered with a UPI app can also function as a payment address. Useful if your UPI ID is long or hard to remember. Note that it must be the same mobile number registered with your UPI app.
4. Aadhaar Number
Aadhaar-linked bank accounts can accept UPI payments via Aadhaar number. This is useful in rural or semi-urban contexts where UPI IDs may not be set up but bank accounts are Aadhaar-linked.
Download UPI QR Shop Poster (A4 PDF)
Indian shop owners need a print-ready counter poster — not just a small PNG. Click Download A4 Shop Poster (PDF) to get a full A4 page with your business name, QR code, amount (if set), “Scan & Pay” text, and UPI app names. Print and display at your counter — no design skills needed.
UPI Payment Link Generator
Need to send a payment request on WhatsApp instead of a QR image? After entering your details, copy the
upi://paypayment link or tap Share on WhatsApp. The link opens Google Pay, PhonePe, Paytm, or BHIM with amount and note pre-filled — same as scanning the QR. Also see our dedicated UPI Payment Link Generator page.Dynamic vs Static UPI QR Codes — What's the Difference?
Feature Static QR Code Dynamic QR Code Amount Pre-filled ❌ No ✅ Yes Payee Name Shown Sometimes ✅ Always Transaction Note ❌ No ✅ Yes Reusable ✅ Yes ✅ Yes (per transaction) Best For Donation boxes, general counters Invoices, fixed-price services This tool generates dynamic UPI QR codes — which means you can embed the exact amount, your name, and a payment note right inside the QR. The payer simply scans and confirms. No typing, no errors.
Where Can You Use a UPI QR Code?
Printed on Physical Materials
- Shop counter display (A4 / A5 standee)
- Restaurant table tents
- Business cards
- Packaging inserts
- Event registration desks
Digital Documents
- Invoices and quotations (PDF/Word)
- Rent receipts
- Proforma invoices
- Purchase orders
- WhatsApp messages
Online Presence
- Website payment pages
- Email footer / signatures
- Instagram bios (screenshot)
- YouTube channel description
Field & Mobile Use
- Freelance consultants showing QR on phone screens
- Home delivery agents accepting payment at doorstep
- Event ticket sales at the gate
Is This Tool Safe? How Is Your Data Protected?
Your financial privacy matters. Here's how this tool keeps your data secure:
- Everything Runs in Your Browser — The QR code is generated entirely on your device using JavaScript. Your UPI ID, bank account number, mobile number, or Aadhaar number is never sent to any server.
- No Account Required — You don't need to create an account, verify an email, or enter any personal information beyond what goes into the QR itself.
- No Data Storage — Your data is not stored, logged, or transmitted. When you close or refresh the page, no trace of your input remains.
- Downloaded File Is Just an Image — The PNG you download is a standard image file containing only the QR code — there's no hidden metadata, tracking pixel, or embedded data beyond the UPI payment string.
Note: This is an independent tool — not affiliated with NPCI, BHIM, or any bank. App names and logos are referenced for compatibility information only.
Tips for Getting the Best Results
For Printing
- Download the QR at the default size and avoid heavy compression when inserting into documents
- Test the printed QR by scanning with at least two different apps before distributing
- Keep sufficient white border ("quiet zone") around the QR — don't crop it too tightly
For Invoices
- Always include the amount in the QR for fixed-price invoices — reduces follow-up
- Add the transaction note (e.g., "Invoice #042") so both parties can reconcile easily
- Create a professional invoice with our Invoice Generator and attach your UPI QR for one-tap payment
For Multiple Products or Services
- Create a separate QR for each product/service with a unique description note
- Label each printed QR clearly so customers know which to scan
For Sharing Digitally
- Send the PNG directly over WhatsApp — it scans directly from the chat
- Insert into PDF invoices for one-tap payment from email
- Add a UPI QR to your proforma invoice before sending to clients
Frequently Asked Questions
Is this UPI QR code generator free?
Yes, completely. There are no hidden charges, no premium tiers, and no credit system. You can generate as many UPI QR codes as you need, anytime, at zero cost.
Do I need to create an account or sign up to use this tool?
No. There is no signup, login, or registration required. Open the page, enter your UPI details, and download your QR code — that's it.
Does this tool store my UPI ID or bank account details?
No. The entire QR generation process runs inside your browser using JavaScript. Your UPI ID, bank account number, mobile number, or Aadhaar number is never sent to any external server and is never stored anywhere.
Which UPI apps can scan QR codes generated by this tool?
All major UPI-certified apps in India — including Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, WhatsApp Pay, iMobile Pay, YONO SBI, and any other NPCI-certified UPI app. The QR uses the standard
upi://payformat supported by all compliant apps.What is a UPI ID (VPA)?
A UPI ID, also called a Virtual Payment Address (VPA), is a short alias for your bank account. It typically looks like
name@bankname(e.g.,rahul@oksbi,shop@ybl,payments@paytm). You can find your UPI ID in the Settings section of any UPI app you use (Google Pay, PhonePe, etc.).Can I generate a QR code without a pre-filled amount?
Yes. The amount field is optional. If you leave it blank, the payer can enter any amount of their choice when they scan the QR. This is useful for donation boxes or counters where the payment amount varies.
Can I use a bank account number instead of a UPI ID?
Yes. Select "Bank Account" as the payment address type and enter your account number along with the 11-digit IFSC code. The QR will route the payment directly to that account.
What is an IFSC code and where do I find it?
IFSC (Indian Financial System Code) is an 11-character alphanumeric code that identifies a specific bank branch. You can find it on your bank passbook, cheque leaf, or by searching "[Bank Name] [Branch Name] IFSC" on Google or the RBI website.
Can I use my mobile number as a UPI payment address?
Yes, if your mobile number is registered with a UPI app. Select "Mobile" as the payment type and enter your registered mobile number. The QR will resolve to the bank account linked to that number through your UPI app.
What file format is the QR code downloaded in?
PNG (standard and high-resolution), SVG (vector for banners and large prints), and A4 shop poster PDF. All formats are free to download with no signup.
Can I download a free UPI QR code for my shop counter?
Yes. Use Download A4 Shop Poster (PDF) for a print-ready shop display with your name, QR, and UPI app logos. Or download high-res PNG/SVG for custom designs.
Can I print this QR code on paper or at a shop counter?
Yes. Download the A4 shop poster PDF for countertop display, or use high-res PNG/SVG. Ensure the QR is not resized below 3×3 cm for reliable scanning.
How do I generate a UPI payment link?
Enter your payment details — the UPI payment link appears automatically. Copy it or share via WhatsApp. It uses the same
upi://payformat as the QR code.Why is my UPI QR code not scanning?
Common reasons include: the QR is too small to scan, the image has been compressed/blurred, or the quiet zone (white border) around the QR is too narrow. Try re-downloading the QR and ensuring the image isn't cropped. Also test on multiple UPI apps.
Can I embed the QR code in a PDF invoice?
Yes. Download the PNG and insert it into your invoice template in Word, Google Docs, Excel, or any invoice generator. When the recipient opens the PDF on their phone, they can screenshot and scan — or most modern QR scanner apps can scan directly from a screen.
Is a QR code the same as a UPI link?
A UPI QR code is the visual representation of a UPI deep link (
upi://pay?...). When scanned, it opens the UPI link in the payer's preferred app. The "Open UPI Link on Phone" button in this tool lets you test the same link directly without scanning.How is a dynamic QR code different from a static QR code?
A static UPI QR code only contains your UPI ID — the payer must enter the amount themselves. A dynamic QR code (like those generated here) includes a pre-set amount, merchant name, and optional transaction note. Dynamic QR codes reduce errors and make the payment process faster for fixed-price transactions.
Can I create multiple QR codes for different products or services?
Absolutely. Generate one QR per product or service with a unique description note and amount. Each QR is independent — there's no limit to how many you can create.
Does this work for GST-registered businesses?
Yes. This tool generates a payment-receipt QR — separate from e-invoice QR codes (IRN/QR) required by the GST system for B2B invoices above ₹5 crore. For accepting customer payments (B2C or informal B2B), this UPI QR works perfectly.
Is this tool affiliated with NPCI, BHIM, or any bank?
No. This is an independent tool built by Tools Galaxio. It is not affiliated with, endorsed by, or connected to NPCI, BHIM, Google Pay, PhonePe, Paytm, or any bank. App and brand names are referenced for informational compatibility purposes only.
Can I use this on mobile?
Yes. The tool is fully responsive and works in mobile browsers on Android and iOS. You can generate, preview, and download QR codes directly on your phone.
What are the limits on the amount I can enter?
This tool doesn't enforce a limit on the amount entered in the QR. However, actual UPI transaction limits are set by your bank and NPCI (typically ₹1 lakh per transaction for most accounts, with higher limits for specific banks). The payer's UPI app will enforce these limits at the time of payment.