UPI QR code questions, answered.

Enter the name or shop name, UPI ID, and optional amount or note in the generator, then select Create QR code. Review the UPI ID, scan the result once in a trusted UPI app, and download or print it only after the recipient name looks correct.

Create a free UPI QR code

You can use the personal QR supplied by your UPI app, ask your bank or payment provider for a merchant QR, or create a standard payment QR here from an existing UPI ID. Use a merchant provider if you need business onboarding, a soundbox, settlements, or support for merchant-only payment methods.

Open the UPI QR generator

For a UPI payment QR, start with the UPI ID that should receive the money. Add the recipient name and, if useful, a fixed amount and short payment note. Generate the code, confirm the recipient in a payment app, and make a small test payment before repeated use.

See how the generator works

You do not need to apply if you only want a reusable payment QR for an existing personal UPI ID. For an official merchant QR, contact an acquiring bank or payment provider and complete its business onboarding. Merchant onboarding can add settlement support, a business name, a soundbox, and eligible merchant payment methods.

Compare the options for a shop QR

This website generates UPI QR codes for free, with no account or watermark. Many UPI apps also provide a personal QR at no charge. A bank or merchant provider may separately charge for printed kits, stands, soundboxes, business services, or other hardware.

Generate one for free

Google Pay users in India can open their profile and tap the profile image again to show a personal payment QR. A QR made by Chrome for a web address is different and does not become a UPI payment QR unless it contains a valid UPI payment request.

Google Pay: receive money with a personal QR

Open a trusted UPI app, choose Scan QR, point the camera at the complete code, and wait for the recipient details to appear. Check the name and amount before paying. Enter a UPI PIN only inside the payment app to authorise money leaving your account.

NPCI UPI FAQs

Open the QR scanner in a UPI app and choose its gallery or photo option, then select the saved screenshot or image. In Google Pay, gallery QR payments are currently limited to ₹2,000; other apps can use different menus or limits. Confirm the recipient before paying.

Google Pay: scan a QR from the photo gallery

Scan the code with a trusted UPI app or a QR reader that shows the raw text without opening it. In a standard UPI payment link, the value after pa= is the encoded UPI ID. Treat decoded details as unverified and confirm the recipient name in a UPI app before sending money.

Learn where to find your own UPI ID

A payment app reads the square pattern and turns the data into a payment screen. You should see the recipient name or merchant, UPI ID, and any fixed amount before approval. Do not use a random website to decode a private payment image if your trusted UPI app can show the same details.

Read the UPI QR safety guide

Create and test the QR, download a print-ready file, and ask a local print shop for a matte sticker with clear white space around the code. You can also request an official merchant sticker from your bank or payment provider if you need merchant onboarding or linked services.

Make a UPI QR for a shop

Generate the QR, use the A5 shop layout, and print it for a clear acrylic table stand. A local printer can mount the sheet, or a merchant payment provider may supply a branded stand after onboarding. Test the final display from a normal customer distance.

Prepare a shop-counter QR

For a simple printed QR, create the code here and send the PNG, PDF, or SVG to a printer. For an official merchant kit, order through your acquiring bank or payment provider. Never pay an unknown seller for a QR that has not been checked against your own UPI ID.

Prepare a file for printing

After testing the QR, choose Print for shop, select A4 or A5, and use the browser print window. Print at 100 percent scale on clean white paper, keep the full quiet zone around the code, avoid glossy reflections, and scan the physical copy before displaying it.

Follow the print guide

Yes. A standard static UPI QR can be printed at home or by a print shop. Use a sharp file, do not crop the white border, and avoid stretching or heavily styling the code. Make a ₹1 test payment to the printed copy before using it with customers.

Create a print-ready UPI QR

Yes, as long as the linked UPI ID remains active and the print is readable. Replace the print if the UPI ID changes, the surface is damaged, or the code is covered. Check shop displays regularly for tampering and confirm every payment in your own UPI or bank app.

Protect a displayed QR

Export the tested QR as a high-resolution PNG or SVG and place one code on each sticker with an unbroken white margin. Use matte, water-resistant stock for counters or packaging, avoid very small labels, and test a finished sticker with more than one phone before ordering a large batch.

Download a sharp print file

In Google Pay, open your profile and show your personal QR, then use the available share or save option and print the saved image without cropping its border. For a shop, Google Pay for Business or another acquiring provider may offer a merchant kit with business support.

Google Pay: find your personal QR

A QR sticker is an adhesive print containing a scannable QR code. A UPI QR sticker normally opens a payment request for the UPI ID encoded inside it. The sticker itself does not confirm payment, so the recipient must check their own UPI or bank app.

Create a QR sticker layout

Open BHIM and go to the profile section, where BHIM provides an option to share or download your QR code. Check that the displayed UPI ID is connected to the intended bank account before sharing or printing the image. App menus can change after an update.

BHIM: share or download a QR from the profile

A UPI Circle QR is a setup code used to connect a secondary user to a primary user who will fund or approve eligible payments. It is not a shop payment QR and should not be printed for customers. Availability, delegation options, and limits depend on the supported UPI app.

Google Pay: UPI Circle setup and use

In Google Pay, the secondary user can open Profile, choose UPI Circle, select Request someone to set up, and continue to generate a UPI ID and UPI Circle QR. The primary user then scans that setup code and completes the approval steps. Other supported apps can use a different flow.

Google Pay: generate a UPI Circle QR

A QR code does not set or increase your UPI transaction limit. It can contain a requested amount, but the final limit is controlled by the payer bank, UPI app, account, and transaction category. NPCI lists normal UPI payments up to ₹1 lakh per transaction, with different limits for some categories.

NPCI: current UPI transaction limit guidance

UPI QR Cash is SBI’s cardless ATM withdrawal feature, also called UPI-ATM or Interoperable Cardless Cash Withdrawal. At a supported ATM, choose UPI QR Cash, select an amount, scan the temporary on-screen QR with an enabled UPI app, and authorise the withdrawal. It is not a normal shop QR.

SBI: UPI QR Cash at supported ATMs

A QR code cannot be edited after it is generated. If the payment destination changes, update the linked payment account or UPI ID in WhatsApp’s payment settings where that feature is available, then share the newly generated payment QR. A WhatsApp chat QR is different from a UPI payment QR.

Meta: WhatsApp payments in India

Link an eligible RuPay credit card to a supported UPI app, scan an eligible merchant UPI QR, select the linked credit card, and approve with its UPI PIN. Credit card on UPI is not allowed for person-to-person payments, ATM cash withdrawal, or other restricted categories.

NPCI: RuPay credit card on UPI

A UPI QR code is a square, machine-readable payment code that contains a UPI payment request. It normally identifies the recipient through a UPI ID and can also include a name, amount, and note. The payer scans it in a compatible UPI app and reviews the details before authorising payment.

NPCI: QR-based UPI integration

It is a bank-to-bank or eligible account payment started by scanning a UPI QR. The scan fills in the recipient and may fill in an amount, while the payer chooses an account and authorises the transaction in their UPI app. The printed code does not store or receive money itself.

NPCI: about UPI

They remove the need to type an account number, IFSC, or UPI ID for every payment. A scan opens a ready-to-review payment request, and a static code can be reused on a counter, invoice, message, or phone. The payer still controls approval and should check the recipient first.

NPCI: UPI features and benefits

The visible format is a two-dimensional QR matrix with three large position markers. A standard UPI payment QR commonly encodes a URI beginning with upi://pay and parameters such as pa for the UPI ID, pn for the payee name, am for an optional amount, and tn for an optional note.

See how a UPI payment QR is built

QR is commonly expanded as Quick Response. DENSO WAVE explains that the name reflects the code’s focus on fast reading. QR Code is the official product name for the two-dimensional code released by the company in 1994.

DENSO WAVE: history of the QR Code

A QR code is a two-dimensional pattern that stores text in a form a camera or scanner can read. A restaurant menu QR may store a web address. A UPI payment QR may store a payment request containing a recipient UPI ID, name, optional amount, and note.

DENSO WAVE: what a QR Code is

There is no single inventor of the combined UPI QR payment method. Masahiro Hara’s team at DENSO WAVE developed the QR Code in Japan and released it in 1994. NPCI developed UPI in India and launched its pilot in 2016, after which banks and payment providers implemented interoperable QR payment flows.

NPCI: UPI history and pilot launch