Do I need a merchant account?

No. A personal UPI ID works fine for a static code. A merchant account (with a PSP) is what gets you a dynamic QR with per-transaction amounts and confirmation — a different product.

Where do I find my UPI ID?

In your UPI app's profile: it reads name@bank, like priya@okicici or tea@ybl. It must include the part after the @ or payments will not resolve.

Can I set a fixed amount?

Yes — it pre-fills the payment screen. Generate one code per menu item at a fixed price, or one open code and let customers type the amount.

Does the code expire?

No. It encodes your UPI ID directly, so it keeps working as long as that ID stays active. Change your UPI ID and you generate a new code.

Not through the code — a static UPI QR tracks nothing. Your bank statement and UPI app history show every credit with the payer's UPI ID and the note, which is how vendors reconcile a day's takings.

Why does the amount use a dot?

The NPCI deep-link format uses a dot decimal separator (25.50). The form converts commas for you so a pasted 25,50 still builds a correct code.

Is it free and private?

Free, no sign-up, no watermark. The link is assembled in your browser — your UPI ID is not sent to any server, including ours.

Free UPI QR Code Generator (UPI ID, Amount, Note)

Create a QR code

UPI ID

Your virtual payment address from your UPI app profile, including the @bank part.

Payee name

Shown in the payer's app when they scan.

Amount in INR (optional)

Dot decimals (25.50). Empty lets the payer choose.

Note (optional)

Labels the payment in the payer's history; ~50 characters is the safe limit.

· Enter a UPI ID (name@bank).

· Enter a payee name.

Enter your UPI ID and payee name to see your UPI QR code.

One code, every UPI app

Enter your UPI ID (name@bank) and the payee name, and download a UPI QR code that Google Pay, PhonePe, Paytm, BHIM and every other UPI app in India scans to open a payment to you. An optional amount and note ride along on the link. Interoperability is the point of UPI: one code, every app, no bank lock-in. Free, no sign-up, no watermark, generated in your browser.

To make yours:

1
Enter your UPI ID
Your virtual payment address, like shop@okhdfcbank or name@ybl — found in your UPI app under your profile.
2
Add the payee name
The name shown in the payer's app when they scan. Keep it exactly as you want customers to see it.
3
Optional amount and note
A fixed amount pre-fills the payment; a note (up to about 50 characters) labels it in the payer's history. Leave both empty for pay-what-you-like codes.
4
Download and scan-test
PNG for screens and stickers, SVG for print at any size. Scan with your own UPI app before printing.

What the code contains

A upi://pay deep link — UPI ID, payee name, optional amount, currency and note — in the format the NPCI specification defines. It is static and untracked: the same details every scan, no expiry, no per-transaction data. Merchants who want per-bill amounts or payment confirmation use a PSP's dynamic UPI QR, which is a different product requiring a payment institution.

Where a static UPI QR belongs

Street-food carts, chai stalls and market vendors with fixed menu prices
Shop counters and delivery packaging — "scan any app to pay"
Temple donation boxes, school fee slips and community collections
Fliers for tutors, plumbers and freelancers paid by UPI ID
Shared flats and flatmates: one code on the fridge for bills

For fixed menus, generate one code per item with its amount pre-filled — they are free, so a row of small codes beats one vague code. Unlike a card machine, a static UPI QR has no per-transaction record: match payments in your bank statement by the note and UPI ID of the payer.

Getting the details right

The UPI ID must be a full virtual payment address with the @bank part — an ID without it will not resolve, and the form tells you before you print. The amount uses a dot as the decimal separator (25.50, not 25,50). Notes longer than about 50 characters can be cut off by some apps, so keep them short. This generator encodes spaces as %20 the way the NPCI spec expects, so "Chai Stall" arrives as Chai Stall, not Chai+Stall.

Collecting outside India too? The PIX generator covers Brazil and the EPC generator the eurozone — all in the payment QR codes section. For non-payment codes, the WhatsApp generator and the main generator do everything else.

Every UPI app: Google Pay, PhonePe, Paytm, BHIM, Amazon Pay and any bank app with UPI. Interoperability is what UPI was built for — one code, every app.

Free UPI QR code generator

One code, every UPI app

Where a static UPI QR belongs

Getting the details right

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