UPI QR Code Generator

What is a UPI payment QR code?

Unified Payments Interface (UPI) is the instant payment system used across India. A UPI QR code stores a payment link that starts with upi://pay. When a customer scans it with a UPI app, the payee UPI ID, name, amount and note are filled in automatically, so the payer only has to confirm with their PIN. Shop owners, freelancers, teachers, landlords, clubs and charities print these codes on counters, invoices, flyers and menus to get paid without sharing bank details by voice or typing mistakes.

The link is made of simple parameters: pa is the payee address (your UPI ID), pn the payee name, am the amount, cu the currency (always INR), tn a transaction note, tr a merchant transaction reference and mc the four-digit merchant category code. This generator escapes every value correctly, formats the amount with two decimals and uses error correction level M so the code stays compact and easy to scan.

Validation built in

The UPI ID must follow the name@bank pattern, the payee name is required, and an amount must be a positive number with at most two decimals. The note is limited to 50 characters because many apps cut longer text, the reference accepts letters and digits only, and the merchant code must be four digits. Any problem is shown in plain language next to the preview so you can fix it before sharing the code.

Tips before you print

Scan the finished code with a real UPI app and compare the displayed name with the one you expect, since customers rely on that name to trust the payment. Leave the amount blank for a reusable counter code, or create a new code per invoice with its own amount and reference. Print the code at least two centimetres wide with a clear border around it. Everything is generated locally, so your UPI ID never leaves your device; remember that anyone who can see the QR code can read the UPI ID inside it.