UPI QR Code
UPI QR Code Generator — VPA, Amount, Note, Bharat QR
Generate an NPCI-compliant upi://pay QR with VPA, amount, and note — works across PhonePe, Google Pay, Paytm, BHIM, and every UPI app.
Amount in INR. Optional.
Your QR code will appear here
About UPI QR Codes
Generate a UPI payment QR your customers scan with PhonePe, Google Pay, Paytm, BHIM, Amazon Pay, WhatsApp Pay, or any of the 50+ UPI apps installed on Indian phones. The QR encodes a structured upi://pay URI mandated by NPCI — Virtual Payment Address (your VPA, the name@bank handle), optional pre-filled amount, currency code, payee name shown to the customer, and an optional transaction note for your bookkeeping. The customer scans, the UPI app opens with everything pre-filled, they enter their UPI PIN, the money lands in your bank account in seconds.
We built the UPI generator for the Indian merchant who is tired of the laminated QR at the till being out of date, the wholesaler whose printed invoices need a payment QR that does not expire, and the cross-border seller shipping to India who needs a payment path that actually clears. UPI processed 14 billion+ transactions in December 2024 alone — more than Visa, Mastercard, and every Chinese rail combined for that month. For Indian customers, the UPI QR is not one option. It is the default. EZQR generates spec-compliant upi://pay QRs free, with no watermark, no signup, and the same code surviving cancellation that we offer on every other QR type.
Walkthrough
How to Create a UPI QR Code
Get your VPA exactly right
Copy your Virtual Payment Address from PhonePe, Google Pay, Paytm, BHIM, or your bank app — it looks like
yourname@oksbiormerchant@paytm. A typo prints clean and fails at scan, so copy from the app rather than retyping.Set amount and payee name
Pre-fill the amount for fixed prices (parking, tickets, donations). Leave open for retail tills where cart values vary. Use your registered shop name as payee — it shows to the customer before they confirm.
Download and stage scan-tests
PNG for digital. SVG for laminated counter cards or any print above 5 cm. PDF for print shops. Test on PhonePe and Google Pay separately — the same QR can open cleanly in one and stall in another.
Where it works
UPI QR Code Use Cases
Kirana store and neighbourhood retail counters — the laminated UPI QR at the till that customers scan instead of fumbling for cash; the open-amount variant is the standard because cart values vary every transaction.
Restaurant table tents and bill folders — diners pay their share via UPI directly from the table, splitting the bill across multiple scans without the server running multiple card swipes.
Auto-rickshaw and cab dashboards — printed UPI stickers on the meter housing let passengers pay the displayed fare without the driver carrying change.
Service-call invoices for plumbers, electricians, AC technicians, and home services — the invoice PDF carries an inline UPI QR pre-filled with the invoice total, paid before the technician leaves the property.
Wholesale and B2B invoicing for distributors and small manufacturers — the printed delivery note includes a UPI QR per invoice number, note field set to the invoice ID for automatic ledger reconciliation.
Street vendors, market stalls, and chaat carts — a single laminated QR card hung from the cart serves every transaction; no card terminal, no swipe fees.
Temple, gurudwara, and dargah donation boxes — devotees offer donations via UPI without cash; the trust receives funds directly into the registered religious account.
NGO and crowdfunding posters — printed campaign collateral carries the UPI QR alongside the campaign hashtag, accepting one-tap donations from any UPI app.
Coaching classes and tuition centers — printed fee receipts include the UPI QR with the amount pre-filled to the monthly fee, eliminating cash handling at the front desk.
Salons, spas, and small clinics — front-desk UPI QRs replace card terminals in tier-2 and tier-3 cities where card MDR eats too much of a 200 INR haircut margin.
Society maintenance collection in residential complexes — the notice-board UPI QR with the flat number in the note field lets residents pay monthly maintenance without the secretary chasing cheques.
What works in practice
UPI QR Code Best Practices
Use your business VPA, not your personal one. The payee name shown on the customer's confirmation screen reads from your registered VPA; yourshop@paytm reads as a business; yourname@oksbi pauses confident scanners. Register a business VPA through Paytm for Business, PhonePe Business, or BHIM Business if your bank does not issue one.
For transactions at or below 2,000 INR with small merchants, MDR is zero per RBI mandate. UPI is the cheapest acceptance rail at the small-ticket end; no per-transaction fee a card terminal would charge. Above 2,000 INR or for larger merchants, MDR rules vary — verify with your acquirer.
Pair the QR with a Hindi or regional-language CTA when the customer base reads regional more comfortably than English. A simple Yahan UPI se payment karein in the local script drives higher scan-completion than an English-only Pay with UPI label, particularly in tier-2 and tier-3 cities.
Use the transaction note field for reconciliation. Set it to the invoice number, table number, SKU, or campaign code; the note flows into your bank SMS, the UPI app history, and the daily statement, removing manual matching at end of day.
Print at minimum 5 cm by 5 cm for counter displays, 4 cm for table tents, and 8 to 10 cm for storefront window vinyl scanned from the sidewalk. UPI app scanners forgive small QRs more than camera-app scanners; design for the camera case to cover the customer without a UPI app pinned to the home screen.
For long-life print where your VPA might change (bank migration, business restructure), use a dynamic QR on the $5/month Lite plan. The dynamic code encodes our redirect URL; update the destination VPA once and every printed card keeps working.
Verify Bharat QR compatibility if your audience includes legacy card-network users. Bharat QR is the inter-bank standard supporting UPI plus EMVco card networks (Visa, Mastercard, RuPay) in one QR; pure UPI QRs serve UPI scanners only. UPI-only is sufficient for most merchants.
Static codes encoded on EZQR work forever with no subscription. Cancel a paid plan and the static UPI QR you generated on the free tier keeps working — the URI is encoded directly into the pattern and depends on nothing on our side. Most QR vendors will not say this; their dynamic codes die on cancellation, ours do not.
UPI QR Code FAQ
Common questions about generating, printing, and deploying these codes.
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