Can I print this QR code for my shop counter?

Yes. Download the PNG and insert into a Word document or Canva design, or print it directly. For countertop displays, A5 or A6 print size works well. Ensure the QR is not resized below 3×3 cm for reliable scanning.

Free UPI QR Code Generator — Google Pay, PhonePe, Paytm, BHIM

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:

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. 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)

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 "Invoice #1042", "Table 5", "Project deposit", etc. This shows in the transaction record for both parties.

Step 4 — Preview the QR Code
The QR code is generated live in your browser as you type. You'll see the merchant name and amount displayed below the code for verification.

Step 5 — Download or Share

Click Download QR Code (PNG) to save the image to your device.
Click Open UPI Link on Phone to test the payment link directly on your smartphone.
Print the QR, paste it in your invoice, embed in email, or display at your checkout counter.

What UPI Apps Work with This QR Code?

This tool generates standard NPCI-compliant UPI QR codes (based on the upi://pay deep 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.

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.

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.

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

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://pay format 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?

The QR code is downloaded as a PNG image file. PNG is a lossless format that maintains sharp edges on QR code patterns, making it ideal for both digital use (invoices, emails) and high-quality printing.

Can I print this QR code on paper or at a shop counter?

Yes. Download the PNG, insert it into a Word document, Canva design, or print it directly. For countertop displays, using an A5 or A6 print size works well. Ensure the QR is not resized below 3×3 cm for reliable scanning.

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.