UPI QR Code Generator

Q: Is a personal UPI QR code the same as a merchant QR?

Functionally yes: both use the same upi://pay format. Merchant QR codes issued by banks add a merchant category code and may have different limits. For small businesses and individuals a personal code like this one is the common choice.

Q: What UPI ID formats are supported?

Any valid VPA in the form handle@bank, such as @ybl, @paytm, @okaxis, @okhdfcbank, @okicici, @oksbi, @upi, @apl, @ibl, @axl, @sbi, @hdfcbank, @icici, and @kotak.

What is a UPI QR code?

A UPI QR code is a standard QR code that contains a upi://pay link. When a customer scans it with Google Pay, PhonePe, Paytm, BHIM, or any app built on India's Unified Payments Interface, the app reads your UPI ID, payee name, and optional amount, and opens a pre-filled payment screen. The customer only has to confirm with their UPI PIN.

Because the format is an open standard published by NPCI (National Payments Corporation of India), a single QR code works across all UPI apps. You do not need a separate code for each app, and you do not need a merchant account or a payment gateway to receive money this way. Payments land directly in the bank account linked to your UPI ID.

How to create a UPI QR code

Enter your UPI ID. This is the address money is sent to, for example 9876543210@ybl or shopname@okhdfcbank. Not sure where it is? Read how to find your UPI ID.
Add your name. The payer sees this name before confirming, so use the name customers recognise.
Optionally fix an amount. Useful for fixed-price items, bills, or tickets. Leave it empty for a general "scan and pay" code at your counter. See UPI QR code with fixed amount.
Download and display. Save the PNG for WhatsApp or Instagram, or the SVG for printing at any size without blur. Stick it on your counter, invoice, menu, or delivery bag.

Who uses UPI QR codes?

Shops, stalls, and restaurants print the code and keep it at the counter. See UPI QR code for your shop.
Freelancers and tutors put the code on invoices and class notes.
Delivery and home services carry a printed card for cash-free collection.
Societies, clubs, and events generate a fixed-amount code for fees and tickets.
Individuals share the image on WhatsApp instead of typing their UPI ID again and again.

Tips for a QR code that scans every time

Print it at least 3 cm × 3 cm; bigger is better for counters and walls.
Keep the white margin around the code. Do not crop it.
Use the SVG download for print shops so it stays sharp at any size.
Test the code with two different apps before you print 100 copies.
Do not laminate with glossy film that reflects light; matte works better.

Frequently asked questions

Is this UPI QR code generator free?

Yes. It is completely free, needs no account, and has no limits on how many codes you create.

Is my UPI ID sent to a server?

No. The QR code is generated entirely inside your browser with JavaScript. Nothing you type is uploaded, logged, or stored.

Which apps can scan the code?

Any UPI app: Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, Cred, WhatsApp Pay, and bank apps such as SBI YONO, iMobile, and PayZapp.

Can I fix the amount?

Yes. Enter an amount and the payer's app will pre-fill it. Leave it blank to let the payer type the amount.

Does the QR code expire?

No. The code is just your UPI ID encoded as an image. It works as long as your UPI ID is active.

Is a personal UPI QR code the same as a merchant QR?

Functionally yes: both use the same upi://pay format. Merchant QR codes issued by banks add a merchant category code and may have different limits. For small businesses and individuals a personal code like this one is the common choice.

What UPI ID formats are supported?

Any valid VPA in the form handle@bank, such as @ybl, @paytm, @okaxis, @okhdfcbank, @okicici, @oksbi, @upi, @apl, @ibl, @axl, @sbi, @hdfcbank, @icici, and @kotak.