How do I generate a UPI QR code?

By MakeMyQROnline · Updated

Short answer

Enter your UPI ID (like name@bank), the payee name and, optionally, a fixed amount and note in a UPI QR generator, then download the code. Customers scan it with any UPI app — Google Pay, PhonePe, Paytm, BHIM or their bank's app — and the payment is pre-filled for them to approve.

Step by step

  1. 1 Open the UPI QR generator.
  2. 2 Enter your UPI ID (for example yourname@okbank).
  3. 3 Add the payee name, and an amount and note if you want them fixed.
  4. 4 Download and print the code; make a small test payment first.

What is inside a UPI QR code?

A UPI payment link such as upi://pay?pa=yourname@bank&pn=Your%20Name&am=100.00&cu=INR. The pa field is your UPI ID, pn the payee name, am the optional amount and cu the currency.

Important: a QR code is not a payment receipt

Generating or showing a UPI QR code does not confirm that anyone has paid. Always confirm received payments in your UPI app or bank statement. For a shop with many payments, ask your bank about a merchant UPI ID.

Does a UPI QR code work with every UPI app?

Yes. UPI is run by NPCI (National Payments Corporation of India), and UPI QR codes follow one common format. A code made from any UPI ID can be scanned and paid from Google Pay, PhonePe, Paytm, BHIM, Amazon Pay or any bank's UPI app — you do not need a separate PhonePe or Google Pay QR code.

How to get a QR code for your UPI ID

There are two easy ways:

  • In your UPI app: open your profile in Google Pay, PhonePe, Paytm or BHIM and tap "My QR code" (or similar). This shows your personal UPI QR code.
  • With a generator: enter your UPI ID and name in a UPI QR generator to get a printable PNG, SVG or PDF — useful if you want a fixed amount, a note, your own design or a print-ready sticker.

How to get a UPI ID

Install any UPI app, verify the mobile number linked to your bank account, choose your bank and set a UPI PIN using your debit card (some banks allow Aadhaar OTP). The app then shows your UPI ID, which looks like yourname@bank or 98xxxxxx@upi.

Personal UPI QR vs merchant UPI QR code

A personal UPI QR code (made from your own UPI ID) is fine for occasional payments, a home business or splitting bills. A merchant UPI QR code comes from a business account — for example PhonePe Business, Google Pay for Business, Paytm for Business or your bank — and usually adds payment sound-box alerts, settlement reports and higher limits.

If you receive many shop payments on a personal UPI ID, your bank may ask you to switch to a merchant account. The QR format is the same; only the UPI ID behind it changes.

How to pay with a UPI QR code

  • Open any UPI app and tap "Scan & Pay".
  • Point the camera at the QR code.
  • Check that the payee name shown is the person or shop you mean to pay.
  • Enter the amount (if not already filled) and confirm with your UPI PIN.
  • You only ever enter your UPI PIN to send money — never to receive it.

Printing a UPI QR code sticker or standee

Download the SVG or PDF for sharp printing, and print the code at least 3 × 3 cm (5 cm or more for a shop counter). Keep dark modules on a light background, laminate it against water, and show your business name next to the code so customers can match it with the name their app displays. Check the sticker now and then — replacing a shop's QR code with a fraudster's is a known scam.

Try it now — free, no signup

Live preview, custom design, PNG / SVG / PDF download.

Open the UPI QR generator

Frequently asked questions

Which apps can scan a UPI QR code?

Any UPI app in India, including Google Pay, PhonePe, Paytm, BHIM and bank apps.

Should I set a fixed amount?

Set an amount for a single product or invoice. Leave it blank for a shop counter so customers enter the amount.

How do I get a QR code for my UPI?

Open your profile in your UPI app (Google Pay, PhonePe, Paytm or BHIM) to see your personal QR code, or enter your UPI ID in a UPI QR generator to download a printable code with an optional fixed amount.

Can any UPI app scan any UPI QR code?

Yes. UPI QR codes follow NPCI's common format, so a code made from any UPI ID works with every UPI app.

Is a PhonePe QR code different from a Google Pay QR code?

No. Both are standard UPI QR codes. A PhonePe customer can pay a Google Pay QR code and vice versa; the apps only differ in branding.

What is a UPI merchant QR code?

A UPI QR code linked to a business (merchant) UPI ID instead of a personal one. It usually comes with business features such as sound-box alerts and settlement reports.

Is it free to create a UPI QR code?

Yes. Creating a UPI QR code here is free and needs no account. UPI payments between bank accounts are also free for the person paying.

Do I need to enter my UPI PIN to receive money?

No. You never need your UPI PIN to receive money. If someone asks you to enter your PIN or scan a code to "receive" a payment, it is a scam.