UPI QR Code Generator

Get paid by UPI with a QR code: the payer scans it with any UPI app and pays straight to your UPI ID.

UPI ID

Payee name

Printed on the poster. Paying apps show the name your bank holds for this UPI ID.

Amount (optional)

Leave empty for the payer to enter it.

Note (optional)

Up to 50 characters, such as what the payment is for.

Printable poster

Your poster appears here as you type.

A page to print for a counter or a door: “Scan & Pay with any UPI app”, the code, the payee name and the UPI ID, and the amount when you set one.

Poster size

Shop name (optional)

Printed above the code, on the poster only.

Print at 100% (actual size), not “Fit to page”.

Design

Foreground

Background

Modules

Corner squares

Error correction

Higher levels survive more damage but make a denser code.

Margin (modules)

Caption under the code

Your QR code appears here as you type.

Print width (mm)

PNG size

For a page to put up at a counter, with the payee name and UPI ID under the code, use Download poster PDF under Printable poster.

Makes a QR code that UPI apps such as Google Pay, PhonePe, Paytm and BHIM scan to pay you, straight into the bank account behind your UPI ID. Set an amount for a fixed payment, or leave it for the payer to enter. It also makes a Scan & Pay poster to print for a counter, a stall or a door. The code and the poster are made in your browser: nothing you type is uploaded.

How to use it

UPI ID — the ID payments go to, such as name@bank; your UPI app shows it on its profile or receive-money screen. Capitals are made lowercase, with a notice, since UPI IDs are written in lowercase. The tool checks the form of the ID, not that it exists.
Payee name — required in every UPI code. It is printed on the poster; the paying app shows the name your bank holds for the UPI ID instead (see the rules below).
Amount — in rupees, with up to 2 decimal places for paise. Commas are accepted where Indian (1,50,000) or international (150,000) grouping puts them. Leave it empty and the payer types the amount, which suits a code that stays up for every payment.
Note — a short description of the payment, such as “Rent for May”, up to 50 characters.

The printable poster is an A6, A5 or A4 PDF headed “Scan & Pay with any UPI app”, with the code, the payee name, the UPI ID in a monospaced font, and the amount when you set one. A Shop name adds a heading above it, on the poster only. A preview shows the poster with your design. Print it at 100%, not “Fit to page”.

The code takes the same design options as the QR Code Generator, and a test reader checks that it reads back. Its Scans as text is what a UPI app reads from it. The design and poster size are remembered on this device; the payment details are not.

What a UPI QR code holds

The code holds a upi://pay link, the format NPCI's UPI Linking Specifications define for QR codes and payment links: the UPI ID after pa, the payee name after pn, the amount after am, a note after tn, and the currency, always INR, after cu. Without am the payer's app lets them enter the amount. The name and note are percent-encoded, with a space as %20, as the specification asks, and the amount is written with its paise, such as 1500.00.

Merchant codes add a merchant category (mc), a transaction reference (tr) and often a signature. This tool leaves them out: it makes personal codes, for payments to your own UPI ID.

upi://pay?pa=<UPI ID>&pn=<payee name>&am=<amount>&tn=<note>&cu=INR

Examples

A code the payer enters the amount into

UPI ID: ravi.kumar@okbank
Payee name: Ravi Kumar
Scans as: upi://pay?pa=ravi.kumar@okbank&pn=Ravi%20Kumar&cu=INR

A fixed amount with a note

UPI ID: sharma.stores@okbank
Payee name: Sharma & Sons
Amount (optional): 1,500
Note (optional): Rent for May
Scans as: upi://pay?pa=sharma.stores@okbank&pn=Sharma%20%26%20Sons&am=1500.00&tn=Rent%20for%20May&cu=INR

The comma is removed and the paise added, and the & and spaces in the name and note are percent-encoded, so the app does not read them as the start of another field.

UPI rules, and what apps show

The fields follow NPCI's UPI Linking Specifications 1.6: pa and pn are mandatory, am is a decimal amount that, when absent, leaves the amount for the payer to enter, and INR is the only currency. NPCI's circular OC 37 (1 November 2017) requires every UPI app to follow its deep linking specifications, and OC 28 (18 August 2017) requires every UPI app to scan UPI QR codes as well as Bharat QR.

Tested on Android phones on 16 October 2026, Google Pay, PhonePe, Paytm and BHIM each paid codes from this tool, both with an amount (filled in for the payer) and without one. A upi://pay link tapped on a web page opened a choice of the phone's UPI apps, each with the details filled in.

None of the apps relied on the typed payee name. PhonePe, Paytm and BHIM showed the name the payee's bank holds for the UPI ID, with the ID itself; Google Pay showed the typed name for a moment, then the bank's. Google Pay also refused one UPI ID as invalid, typed by hand as well as scanned, that the other three apps paid. This tool cannot check that apps accept a UPI ID, so pay ₹1 to a new code from the apps your payers use before you print it.

Sources

UPI Linking Specifications, version 1.6 (copy) — NPCI, hosted by labnol.org
Non-compliance of UPI apps to deep linking specs (OC 37) — NPCI, archived by the Wayback Machine
Scanning integrated Bharat QR through UPI (OC 28) — NPCI, archived by the Wayback Machine

Reviewed 16 October 2026

Frequently asked questions

A personal code, like the ones this tool makes, holds your UPI ID and name, and payments arrive as transfers from one person to another. A merchant code also holds a merchant category and reference, links payments to a business account and is issued by the shop's bank or payment provider. A shop that takes many payments should ask its bank for one.

A UPI ID lets people send you money, and shows them the name your bank holds for it. Money leaves your account only when you approve a payment with your UPI PIN in your own app; you never enter a PIN to receive money. Be wary of anyone who sends you a payment request or a code and says you will receive money by approving it.

A static code, like the ones this tool makes, never changes: print it once and it works for every payment, for as long as the UPI ID does. A dynamic code is made for one payment, by a shop's billing system, with the amount and a transaction reference for that bill, so the shop can match each payment to its order.

Yes, with no licence or fee. DENSO WAVE, which invented the QR code, states that it can be used freely as long as it follows the JIS or ISO standards. "QR Code" is a registered trademark of DENSO WAVE INCORPORATED in Japan and other countries.