Free UPI Payment Link Generator
Turn your UPI ID into a tap-to-pay link and QR code that works with GPay, PhonePe, Paytm, and every UPI app — plus a ready-to-send WhatsApp message. Free, no sign-up, and your UPI ID never leaves your browser.
Generate your UPI payment link
Builds a standard upi://pay deep link from your UPI ID — works with GPay, PhonePe, Paytm, BHIM, and any UPI app. Runs entirely in your browser; we never see your UPI ID.
Leave empty to let the customer type the amount. Some UPI apps handle links more reliably when an amount is set.
Your UPI deep link
This QR encodes the same upi://pay link — customers scan it from any UPI app. Print it or show it on screen at checkout.
Send it over WhatsApp
A ready-to-send WhatsApp message with your UPI link inside. Add the customer's number for a direct chat, or leave it empty to pick the chat in WhatsApp.
Fill in your UPI ID above to build the WhatsApp message…
Honest limits: upi:// links only open on a phone with a UPI app installed — on desktop, share the QR instead. A few apps ignore links without an amount, and WhatsApp on some platforms shows the link as plain text rather than a tap-to-pay button. This tool cannot verify that a UPI ID exists — always test with a ₹1 payment first. No data is stored or sent to WatEase.
How UPI deep links work
A UPI payment link is a deep link in NPCI's standard upi://pay scheme. When tapped on a phone, the operating system offers the user's installed UPI apps; the chosen app opens with the payment screen pre-filled, and the payer confirms with their UPI PIN. The link is assembled from query parameters defined in NPCI's linking specification:
| Parameter | Meaning | Required? |
|---|---|---|
| pa | Payee address — your UPI ID / VPA | Yes |
| pn | Payee name shown in the app | Recommended |
| am | Amount in INR (up to 2 decimals) | Optional* |
| tn | Transaction note (e.g. order number) | Optional |
| cu | Currency — always INR for UPI | Recommended |
*Per the spec the amount is optional (the payer types it), but a few UPI apps handle amount-less intent links inconsistently — setting an amount is the more reliable choice for order payments.
The same string encoded as a QR code is what you see on every kirana-store counter in India. This generator produces both from one form, entirely client-side — your UPI ID is never uploaded anywhere.
Why share UPI links over WhatsApp?
Because that is where the order conversation already is. A typical Indian micro-commerce flow: customer asks about a product on WhatsApp, you confirm the price, you send a payment message, they pay by UPI, you ship. Pasting a bare UPI ID into chat forces the customer to open their app, hunt for “pay to UPI ID”, and retype it without typos. A upi://pay link with the amount and order note pre-filled collapses that to tap → PIN → done. The combo output above wraps your link in a complete WhatsApp message — including the UPI ID in plain text as a fallback, because WhatsApp on some platforms shows upi:// links as non-tappable text.
Honest limits worth knowing: the link only resolves on a device with a UPI app, so desktop recipients need the QR instead; this tool cannot verify a UPI ID exists, so test with ₹1 first; and a deep link confirms nothing back to you — for automatic payment confirmation inside the chat you need WhatsApp Pay or a payment-gateway integration on the WhatsApp Business API.
From manual links to automated collection
A free static link is perfect for low volume. Once you handle dozens of orders a day, the manual loop — generate, paste, ask “paid?”, check your bank app — becomes the bottleneck. WatEase automates the whole flow inside WhatsApp commerce: catalog, cart, payment request, automatic confirmation, and an utility-conversation order update — all in the same thread, with payments via Razorpay, PhonePe, or Paytm. The WhatsApp commerce in India guide covers the full journey. Pair this tool with the WhatsApp link generator and QR code generator to cover the order-taking side too.
Frequently asked questions
How do I create a UPI payment link?
Use the format upi://pay?pa=<your UPI ID>&pn=<payee name>&am=<amount>&tn=<note>&cu=INR. The pa (payee address) parameter is the only required one; pn, am, and tn are optional but recommended. The generator above builds and URL-encodes this for you — enter your UPI ID, name, amount, and note, then copy the link or QR code.
Does a UPI payment link work with GPay, PhonePe, and Paytm?
Yes. upi://pay is an NPCI-standard deep link, so any certified UPI app — Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, bank apps — can handle it. When tapped on a phone, Android/iOS shows the user's UPI apps to choose from. Behaviour varies slightly: a few apps ignore links without an amount, which is why setting one is more reliable.
Can I send a UPI payment link on WhatsApp?
Yes — that is the most common way Indian micro-businesses collect payments. Paste the link in a chat (or use the "Send via WhatsApp" button above, which pre-fills a complete payment message). One honest caveat: on some platforms WhatsApp renders upi:// links as plain text rather than a tappable button, so the message generated here also includes your UPI ID for manual entry as a fallback.
Is it safe to share my UPI ID in a payment link?
Sharing a UPI ID is safe in the way sharing an email address is safe — it lets people PAY you, never pull money from you. Money only leaves an account when its owner approves a debit with their UPI PIN. The real scam pattern is the reverse: fraudsters sending YOU a "collect request" or QR claiming you must approve it to receive money. Receiving money never requires entering your PIN.
Is there a limit on UPI payment link amounts?
Standard UPI person-to-merchant payments are capped at ₹1,00,000 per transaction for most categories (higher caps exist for specific categories like education and healthcare), and individual banks set their own per-day limits, often lower. The generator validates against the ₹1 lakh standard cap. For larger amounts, split the payment or use a regular payment gateway.
Do UPI payment links expire? Are there charges?
A static upi:// link or QR like the ones generated here never expires — it encodes your UPI ID, not a session. There are no charges either: UPI person-to-merchant payments are free (zero MDR) per current Government of India policy, and this tool itself is free with no account, no watermark, and no data collection.