UPI QR Code Generator

Generate and design UPI QR codes online with custom branding. Add your UPI ID, payee name, amount, and note, then personalize with gradient borders and styles. Download your QR code as a high-quality image or Print.

About UPI QR Code Generator

A UPI QR Code Generator creates scannable payment codes linked to your Unified Payments Interface ID, enabling instant money transfers through apps like Google Pay, PhonePe, Paytm, and BHIM. Millions of merchants and individuals in India struggle with sharing payment details manually, leading to transaction errors and delays. ToolsPivot's UPI QR Code Generator solves this by converting your UPI ID into a scannable code in seconds, allowing customers to pay directly to your bank account without entering complex details.

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ToolsPivot's UPI QR Code Generator Overview

Core Functionality

ToolsPivot's UPI QR Code Generator converts your Virtual Payment Address (VPA) into a standardized QR code that any UPI-enabled app can scan. Enter your UPI ID, optional payee name, and transaction amount to instantly generate QR codes compatible with all major payment platforms. The tool follows NPCI's BharatQR specifications, ensuring your code works across Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, and WhatsApp Pay without compatibility issues.

Primary Users & Use Cases

Small business owners, street vendors, freelancers, and online sellers use UPI QR codes most frequently. Restaurant owners display codes at checkout counters, tutors share them for fee collection, and e-commerce sellers embed them in invoices. NGOs use these codes for donation collection, while property owners include them in rent reminders. The tool serves anyone needing to receive payments without sharing bank account numbers directly.

Problem & Solution

Manual UPI ID sharing causes typos that lead to failed transactions and frustrated customers. With a UPI QR code, payers simply scan and confirm the payment, eliminating data entry errors entirely. Transaction time drops from minutes to seconds, and the payment amount can be pre-set to prevent underpayment or overpayment disputes.

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Key Benefits of UPI QR Code Generator

Zero Transaction Fees: UPI payments carry no charges for sender or receiver, unlike credit card processing fees of 2-3%.

Instant Bank Transfers: Money reaches your bank account within seconds, 24/7, including weekends and holidays.

Universal App Compatibility: One QR code works with all UPI apps including Google Pay, PhonePe, Paytm, BHIM, and 200+ other platforms.

No Hardware Required: Accept digital payments without POS machines, card readers, or any additional equipment.

Enhanced Security: UPI transactions require PIN verification on the payer's device, reducing fraud risk compared to cash handling.

Pre-Set Amount Option: Lock the payment amount in your QR code to prevent bargaining or accidental incorrect payments.

Offline Usability: Print and display your QR code anywhere without requiring internet connection for the display itself.

Privacy Protection: Share payment access without revealing your bank account number, IFSC code, or personal phone number to strangers.

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Core Features of UPI QR Code Generator

UPI ID Input: Enter your Virtual Payment Address in the format username@bankname to link your bank account.

Payee Name Field: Add your business or personal name that appears on the payer's screen during transaction confirmation.

Fixed Amount Setting: Specify exact payment amounts for invoices, subscriptions, or fixed-price products and services.

Transaction Note Option: Include reference text like invoice numbers or order IDs that appear in bank statements.

Instant Generation: Create your UPI QR code immediately without registration, login, or account creation.

High-Resolution Output: Download codes in PNG format suitable for both digital display and print at any size.

Browser-Based Processing: All data stays in your browser; nothing is stored or transmitted to external servers.

Multi-Device Compatibility: Generated codes scan QR codes correctly on both Android and iOS devices.

Customization Options: Adjust colors and add logos while maintaining scan reliability across all UPI applications.

Bulk Generation Support: Create multiple QR codes for different products, services, or payment amounts efficiently.

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How ToolsPivot's UPI QR Code Works

1. Enter UPI ID: Type your Virtual Payment Address (example: yourname@okicici or 9876543210@paytm) in the input field.

2. Add Details: Include your display name and optionally set a fixed payment amount in INR.

3. Generate Code: Click the generate button to create your UPI-compliant QR code instantly.

4. Download Image: Save the QR code as a high-resolution PNG file to your device.

5. Deploy Anywhere: Print for physical display, embed in invoices, or share digitally through messaging apps.

6. Receive Payments: Customers scan with any UPI app, confirm details, enter PIN, and complete instant transfer.

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When to Use UPI QR Code Generator

UPI QR codes serve best when you need to receive payments from multiple people without sharing sensitive banking details repeatedly. They eliminate the friction of spelling out UPI IDs over phone calls or typing them in messages.

Retail Store Checkout: Display at billing counters for customers to scan and pay without cash handling.

Online Invoice Payments: Embed in digital invoices sent via email or WhatsApp for one-click payment access.

Event Ticket Sales: Generate codes with fixed amounts for concerts, workshops, or community events.

Subscription Collections: Share with recurring customers like gym members, tuition students, or club members.

Donation Campaigns: Distribute through social media, posters, or websites for charitable fundraising.

Freelance Payment Requests: Include in project proposals or completion reports for client payments.

Rent and Utility Collection: Provide to tenants or residents for monthly recurring payments.

Food Delivery and Takeaway: Display for contactless payments at restaurants, food trucks, or home kitchens.

Edge cases include high-value transactions above Rs. 1 lakh (which may require alternative methods) and situations where the payer lacks UPI access.

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Use Cases / Applications

Small Retail Shop

Context: A grocery store owner needs to accept digital payments without monthly POS rental fees.

Process:

• Generate UPI QR code with shop name as payee
• Print and laminate the code for durability
• Display at checkout counter and near entrance

Outcome: Accepts payments from any UPI app with zero transaction costs and instant confirmation.

Freelance Designer

Context: A graphic designer sends project completion invoice to an overseas client with Indian bank account.

Process:

• Create QR code with exact project fee as fixed amount
• Include project reference number in transaction note
• Embed code image in PDF invoice using text to image converter

Outcome: Client scans code from invoice, pays exact amount, both receive instant confirmation.

NGO Fundraising Campaign

Context: Non-profit organization collecting donations for disaster relief through social media.

Process:

• Generate QR code linked to organization's verified UPI ID
• Create shareable graphics with donation appeal and QR code
• Track donations through bank statement references

Outcome: Supporters donate directly to organization's bank account without intermediary fees.

Tuition Teacher

Context: Private tutor collecting monthly fees from 30 students across different batches.

Process:

• Create fixed-amount QR codes for each fee tier
• Share appropriate code with students via WhatsApp groups
• Generate secure credentials for tracking spreadsheet

Outcome: Automated fee collection with clear payment records and reduced cash handling.

Restaurant Table Payment

Context: Cafe implements scan-to-pay system for faster table turnover.

Process:

• Generate unique QR codes for each table with table number in payee name
• Print codes on acrylic standees for each table
• Staff verifies payment notification before billing closure

Outcome: Customers pay before leaving, reducing walk-outs and billing queue delays.

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UPI QR Code Specifications

UPI QR codes follow the BharatQR standard developed by NPCI (National Payments Corporation of India). The QR code encodes a URI string starting with "upi://pay?" followed by parameters including: pa (payee VPA), pn (payee name), am (amount), cu (currency, always INR), and tn (transaction note). The minimum recommended print size is 2cm x 2cm for reliable scanning, though 3cm x 3cm provides better readability in varied lighting conditions. QR codes support error correction levels from L (7%) to H (30%), with level M (15%) recommended for payment codes to balance data density and damage tolerance.

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Static vs Dynamic UPI QR Codes

Static UPI QR codes contain fixed information that cannot be changed after generation, including your UPI ID and optional fixed amount. These codes remain valid indefinitely as long as the linked bank account is active. Dynamic UPI QR codes include variable data like specific invoice amounts and expire after a set time or single use. For most merchants, static codes with no fixed amount work best, allowing customers to enter the exact purchase value. Fixed-amount static codes suit subscription services, membership fees, or standardized product pricing where the payment value never changes.

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UPI Transaction Limits Reference

Standard UPI transaction limits in India allow up to Rs. 1,00,000 per transaction for most payment categories. NPCI increased limits to Rs. 5,00,000 for payments to hospitals and educational institutions. Daily cumulative limits typically range from Rs. 1,00,000 to Rs. 2,00,000 depending on your bank's policy. Individual UPI apps may impose their own lower limits based on user verification level. For amounts exceeding standard limits, consider splitting payments or using alternative transfer methods. International UPI payments are now available in select countries including Singapore, UAE, France, and Nepal through NPCI partnerships.

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Related Tools

Complete your payment workflow with these complementary ToolsPivot tools:

• QR Code Generator: Create QR codes for URLs, text, WiFi, and other data types
• Image to Base64: Convert QR code images to embeddable code for websites
• Text to Image: Create payment instruction graphics
• Color Picker: Select brand colors for customized QR codes
• Favicon Generator: Create payment page icons
• Image Resizer: Adjust QR code dimensions for different displays
• Privacy Policy Generator: Create legal pages for payment-enabled websites
• URL Shortener: Create compact payment links

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Frequently Asked Questions

What is a UPI QR code and how does it work?

A UPI QR code stores your Virtual Payment Address (VPA) in a scannable format. When someone scans this code with any UPI app, your payment details auto-fill on their screen, and they complete the transfer by entering their UPI PIN.

Is ToolsPivot's UPI QR Code Generator free to use?

Yes, generating UPI QR codes is completely free with no registration required. The tool runs in your browser without storing any personal data.

Which UPI apps can scan my generated QR code?

All UPI-compliant apps work with ToolsPivot-generated codes, including Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, WhatsApp Pay, CRED, and all bank-specific UPI apps.

Can I set a fixed payment amount in my UPI QR code?

Yes, you can specify an exact amount in INR. When scanned, this amount appears pre-filled and locked, preventing the payer from modifying it.

How long does my UPI QR code remain valid?

UPI QR codes don't expire. They remain functional as long as your linked bank account and UPI ID are active.

Is it safe to share my UPI QR code publicly?

Yes, UPI QR codes only enable incoming payments. Payers cannot withdraw money using your code; they can only send funds to your account after their own PIN verification.

Can I create a UPI QR code for my business without GST registration?

Yes, any individual with a UPI ID can create a QR code. Formal business registration is not required for receiving UPI payments.

What information is encoded in a UPI QR code?

The code contains your UPI ID (VPA), optional payee name, optional amount, currency (INR), and optional transaction reference note.

How do I create a UPI QR code for Google Pay or PhonePe?

Enter your UPI ID linked to any bank in ToolsPivot's generator. The resulting QR code works universally across all apps including Google Pay and PhonePe.

Can I add my logo to the UPI QR code?

Yes, you can customize the code with colors and add a center logo. Ensure the logo covers less than 30% of the code area to maintain scannability.

What happens if someone scans an old QR code after I change banks?

The QR code links to your UPI ID, not directly to a bank account. If you've deactivated that UPI ID, the payment will fail. Generate a new code with your updated UPI ID.

Can I track payments received through my UPI QR code?

Track payments through your bank statement or UPI app transaction history. The tool doesn't provide analytics; tracking happens through your bank's systems.

Is there a limit on how many times my QR code can be scanned? No limit exists. A single QR code can receive unlimited payments from unlimited payers over any time period.

Can I generate UPI QR codes for multiple bank accounts?

Yes, create separate QR codes for each UPI ID linked to different bank accounts. Ensure you verify contact details associated with each account.