Is this UPI QR code compatible with all Indian UPI apps?

Yes. The QR code strictly conforms to the NPCI (National Payments Corporation of India) UPI URI specification (upi://pay), making it natively recognized by Google Pay, PhonePe, BHIM, Paytm, CRED, Amazon Pay, WhatsApp Pay, and all scheduled commercial bank UPI apps.

Does this generator charge commissions or track payments?

No. All QR generation and rendering happens 100% locally inside your web browser. No bank details, VPAs, or amounts are sent to any server. The actual money settlement happens peer-to-peer or peer-to-merchant directly via the banking rail.

What is the difference between a static QR and dynamic QR?

A static UPI QR code has no pre-set amount, allowing the customer to enter any value at checkout (ideal for retail counters, kirana stores, and street vendors). A dynamic UPI QR code specifies a fixed amount and optional order reference, locking the payment to an exact invoice figure.

Does the center UPI logo interfere with QR code scanners?

No. The QR code is generated with Error Correction Level H (High), which embeds up to 30% redundant recovery data. The official NPCI UPI badge sits comfortably within this tolerance margin without impacting scan speed or accuracy.

Can I print this for a physical desk or counter standee?

Yes. Use the "Print Standee" button to trigger a clean, borderless print layout formatted for standard A5/A4 acrylic display stands, or export SVG for professional large-format vinyl printing.

UPI QR Code Generator

Generate NPCI-compliant dynamic & static UPI QR codes for Google Pay, PhonePe, Paytm, BHIM, and bank apps. Customize themes, export crisp vector SVG or high-res PNG, and print counter standees.

⚡ Interactive Calculation Engine Active

Please enable JavaScript in your browser to run live computations, 2D envelope diagrams, and export PDF reports.

How to Use UPI QR Code Generator

Enter your receiver UPI ID / VPA (e.g., store@okaxis or 9876543210@paytm) or pick one of the quick bank handle chips.
Enter the payee or shop name to display on the scanning confirmation screen.
Optionally specify a fixed INR amount (or leave blank to let customers type any custom payment) and a transaction note.
Configure advanced NPCI merchant options if needed, such as Merchant Category Code (MCC) or transaction reference ID.
Pick a standee theme (Classic Retail, Royal Indigo, Merchant Teal, Modern Dark) and download as high-res PNG, vector SVG, or print directly to your physical counter standee.

NPCI UPI Payment URI Specification

Unified Payments Interface (UPI) specifies a standardized URI scheme structured as: `upi://pay?pa={vpa}&pn={name}&am={amount}&tn={note}&cu=INR` - `pa` (Payee Address): The recipient Virtual Payment Address (e.g. `vendor@okhdfcbank`). - `pn` (Payee Name): Legal name or trade name of the payee. - `am` (Amount): Transaction amount formatted to two decimal places in INR. - `tn` (Transaction Note): Remarks or invoice reference visible in bank passbooks. - `cu` (Currency): Fixed to `INR` for domestic Indian interbank settlements. - `mc` (Merchant Code): 4-digit Merchant Category Code for verified business accounts.

Zero Latency & Client-Side Privacy

Your financial credentials and payee information never leave your local browser sandbox. No analytics, tracking pixels, or intermediate APIs monitor your billing details or customer transactions.

Frequently Asked Questions

Is this UPI QR code compatible with all Indian UPI apps?: Yes. The QR code strictly conforms to the NPCI (National Payments Corporation of India) UPI URI specification (upi://pay), making it natively recognized by Google Pay, PhonePe, BHIM, Paytm, CRED, Amazon Pay, WhatsApp Pay, and all scheduled commercial bank UPI apps.
Does this generator charge commissions or track payments?: No. All QR generation and rendering happens 100% locally inside your web browser. No bank details, VPAs, or amounts are sent to any server. The actual money settlement happens peer-to-peer or peer-to-merchant directly via the banking rail.
What is the difference between a static QR and dynamic QR?: A static UPI QR code has no pre-set amount, allowing the customer to enter any value at checkout (ideal for retail counters, kirana stores, and street vendors). A dynamic UPI QR code specifies a fixed amount and optional order reference, locking the payment to an exact invoice figure.
Does the center UPI logo interfere with QR code scanners?: No. The QR code is generated with Error Correction Level H (High), which embeds up to 30% redundant recovery data. The official NPCI UPI badge sits comfortably within this tolerance margin without impacting scan speed or accuracy.
Can I print this for a physical desk or counter standee?: Yes. Use the "Print Standee" button to trigger a clean, borderless print layout formatted for standard A5/A4 acrylic display stands, or export SVG for professional large-format vinyl printing.