Free UPI QR Code Generator
Turn your UPI ID into a scan-to-pay QR code — the one on every kirana counter in India. Works with GPay, PhonePe, Paytm, BHIM and every UPI app. Download a print-ready PNG: no watermark, no sign-up, no expiry, and your UPI ID never leaves your browser.
Generate your UPI QR code
Encodes the NPCI-standard upi://pay payload — scannable by GPay, PhonePe, Paytm, BHIM and every UPI app. Generated in your browser; your UPI ID is never uploaded.
Customers see this before they pay — it is what makes a QR feel trustworthy. Worth filling in.
Leave empty for a reusable counter QR (customer types the amount). Set an amount for a single product or a one-off invoice.
For a printed counter QR, pick Large and keep it at least 3 × 3 cm on the final material — phones struggle below that.
Honest limits: this is a static QR — it never expires, but it also cannot confirm a payment back to you, so you still check your bank app or passbook. We cannot verify a UPI ID exists, so scan your own QR and send ₹1 before you print a hundred of them. No watermark, no sign-up, and nothing is stored or sent to WatEase.
What a UPI QR code actually contains
Nothing magic — and that is worth understanding before you trust one. A UPI QR is a picture of a text string in NPCI's upi://pay scheme, exactly the same payload as a UPI payment link. Scanning it does not move money; it just fills in the payment screen of whichever UPI app the customer uses. They still confirm with their own UPI PIN, on their own device.
That is why a UPI QR is safe to print and paste in public. It encodes your payee address — an instruction for sending money to you. It carries no credential that could pull money from you.
Static vs dynamic QR — the honest difference
This tool generates a static QR, and there is a real trade-off you should make with your eyes open:
| Static QR (this tool) | Dynamic QR (gateway) | |
|---|---|---|
| Cost | Free, forever | Gateway fees apply |
| Expiry | Never | Per transaction |
| Reusable | Yes — print once | New QR per order |
| Payment confirmation | No — check your bank app | Automatic webhook |
| Per-order reconciliation | No | Yes |
A static QR is the right answer for a counter, a menu card, or a stall. It becomes the wrong answer the moment you are matching payments to orders by hand at volume — that is a reconciliation problem, and no QR generator solves it.
Where UPI QR codes earn their keep
Print it on the counter standee, the menu card, the delivery packaging, the invoice footer, the stall banner. Anywhere a customer is standing in front of you with a phone, a QR beats reading out a UPI ID and hoping they type it correctly. For customers who are not in front of you — the WhatsApp order, the phone enquiry — send a UPI payment link instead: a link is tappable in chat, a QR is not.
Not sure a UPI ID is typed correctly before you commit it to print? Run it through the UPI ID validator first — it catches the malformed-handle typos that produce a QR nobody can pay.
When a printed QR stops being enough
The static QR's ceiling is reconciliation. It cannot tell you which order a ₹499 payment belongs to, so at a few orders a day you match them from memory, and at fifty you cannot. That is the point at which businesses move to a payment request per order. WatEase does this inside WhatsApp commerce: catalog, cart, a per-order payment request, automatic confirmation back into the chat, and settlement via Razorpay, PhonePe or Paytm — so nobody is cross-checking a bank passbook against a WhatsApp thread. The WhatsApp commerce in India guide walks the whole journey, and WhatsApp payments covers how collection works once it is automated.
Frequently asked questions
How do I create a UPI QR code?
Enter your UPI ID (VPA) in the generator above, optionally add your business name, an amount and a note, then download the PNG. Behind the scenes the QR encodes a standard upi://pay?pa=<your UPI ID>&pn=<name>&cu=INR payload — the same NPCI format the QR on any shop counter uses. No sign-up, and your UPI ID never leaves your browser.
Do I need a merchant account or a payment gateway?
No. A UPI QR built from a personal or business VPA works immediately with any UPI app — that is the whole point of UPI's open rails. You only need a merchant account (or a gateway) when you want extras a static QR cannot give you: automatic payment confirmation, settlement reports, refunds, or per-order reconciliation.
Should I set an amount in the QR code or leave it blank?
Leave it blank for a reusable counter QR — the customer scans and types whatever they owe, and one printed code serves every transaction. Set a fixed amount when the QR represents one specific thing: a single product, a table bill, or an invoice you are sending. A fixed-amount QR is safer against underpayment, but you cannot reuse it.
Does a UPI QR code expire?
A static QR like the one generated here never expires. It encodes your UPI ID, not a session or an order, so it keeps working for as long as that UPI ID is active — you can print it once and use it for years. Dynamic QRs (issued per transaction by a payment gateway) do expire, which is what makes them reconcilable.
Is there any charge for accepting payments via UPI QR?
For person-to-merchant UPI payments there is no MDR (merchant discount rate) under current Government of India policy, so you receive the full amount. This tool is free too — no account, no watermark, no scan limit. Note that some payment aggregators do charge for their own dynamic-QR and settlement products; that is their fee, not UPI's.
Can I track who scanned my UPI QR code?
Not with a static QR, and you should be sceptical of any free tool that claims otherwise. The QR is just an encoded upi://pay string — there is no server in the loop, so nothing can count scans. You see payments arrive in your bank app with the payer's name and note, and that is all. Per-order tracking requires a dynamic QR from a payment gateway.
What size should I print my UPI QR code?
Download the 1024px PNG and keep the printed code at least 3 × 3 cm — below that, phone cameras struggle, especially in the low light of a shop counter. Leave the white margin around the code intact (it is part of the spec: scanners use it to find the code), and avoid printing on glossy laminate that throws glare.