UPI QR Code Generator: Make a UPI Payment QR Free

To make a UPI QR code, type a UPI payment link like upi://pay?pa=yourname@bank&pn=Your%20Name&cu=INR into the free QR code generator, using your own UPI ID, and download the PNG. Any UPI app that scans it opens a payment to you. Before you print it, pay yourself ₹1 with a different phone to prove the money lands in the right account. For a shop, the QR your bank or UPI app issues for your business is still the safest choice.

A homemade UPI QR is useful when you want a printable code with a fixed amount or note, such as a class fee, a society maintenance charge, a donation box or an invoice. Here's how the link works and how to make one safely.

How a UPI QR code works

A UPI QR code is just a QR code holding a special link that starts with upi://pay. When a UPI app scans it, it reads the details from the link and pre-fills a payment screen. The customer still checks the name, enters or confirms the amount, and approves with their own UPI PIN.

The main parts of the link, as described in NPCI's UPI linking specification (NPCI publishes and updates it, so check npci.org.in for the current version):

Part	Meaning	Example	Needed?
pa	Payee address: your UPI ID (VPA)	pa=yourname@bank	Yes
pn	Payee name	pn=Your%20Name	Yes
cu	Currency	cu=INR	Recommended
am	Amount in rupees	am=500.00	Optional
tn	Note shown to the payer	tn=October%20fees	Optional

The first part follows upi://pay?, and each further part is joined with &. Spaces must be written as %20, because a link can't contain spaces. If your name or note has other special characters, the free URL encoder turns them into the right form.

Examples

Open amount (the customer types it):

upi://pay?pa=yourname@bank&pn=Sharma%20Stores&cu=INR

Fixed amount and a note, for a ₹500 class fee:

upi://pay?pa=yourname@bank&pn=Asha%20Tuition&am=500.00&cu=INR&tn=October%20fees

Replace yourname@bank with your real UPI ID exactly as your UPI app shows it, and the name with the name on your bank account.

Step by step

1. Find your UPI ID. Open your UPI app and look under your profile; it looks like name@bankhandle.
2. Write the link using the format above. Copy it into a notes app first and check every character.
3. Make the code. Open the free QR code generator, paste the link into Link or text, and click Download PNG.
4. Test with ₹1. Use a different phone, with a different UPI account, to scan the code on your screen. Check the name shown is yours, pay ₹1 (change the amount if your code has a fixed one), and confirm the money arrives in your account.
5. Print and display it. Put a printed label above the code with your business name and UPI ID, so customers can match what their app shows.

The code is made on your device. Your UPI ID isn't uploaded or stored by EveryApp, though of course anyone who scans the printed code can see it.

Bank or app QR vs a homemade QR

Most UPI apps already show a "my QR" code for receiving money, and banks and payment apps issue merchant QR codes for businesses. These are usually the better choice for a shop:

	QR from your bank or UPI app	Homemade QR from a upi:// link
Linked to your account	Yes, generated for you	Only if you typed the UPI ID correctly
Merchant verification	Often, for business accounts	No
Payment alerts and soundbox	Often available	Depends on your app
Fixed amount and note	Sometimes	Yes, you choose
Design freedom	Usually a fixed standee	Plain PNG you place anywhere

Payment apps can treat personal and merchant accounts differently, for example with transaction limits, warnings or extra checks, and some apps may let the payer change or ignore a fixed amount in a homemade code. If you take many payments for a business, ask your bank about a merchant QR. Use a homemade code where a fixed amount and note genuinely help, such as fees or one-off collections.

Stay safe with UPI QR codes

Remember: you never scan a QR code or enter your UPI PIN to receive money. Your PIN is only for paying. Anyone who sends you a QR code and says "scan this to receive your refund" or "scan to get your payment" is trying to take money from you. The QR code scam safety tips cover this and other tricks.

For shop owners:

• Check your printed QR regularly. Fraudsters sometimes paste their own QR sticker over a shop's code. A laminated card in a stand is harder to tamper with.
• Confirm payments in your own app, not by looking at the customer's screen. A fake "payment successful" screen is easy to show.
• Keep the payment QR separate from other codes, like a Google review QR, and label each clearly.

Other free tools for your shop

The free barcode generator makes stock labels for your products, and our roundup of free tools for small businesses in India covers product photos, GST maths and invoices.

Make your UPI QR code

Write your upi://pay link, paste it into the free QR code generator, download the PNG and test with ₹1 before printing. For other kinds of QR codes, see how to make a QR code.