UPI QR Code Generator
A UPI QR code holds a payment link in the NPCI format upi://pay?pa=UPI-ID&pn=Name, with an optional amount (am), currency INR (cu) and note (tn). Any UPI app that scans it opens the payment screen with your UPI ID and name filled in. Leave the amount blank for one counter code that works for every bill.
Static code: no expiry, no tracking, no sign-up.
Exactly what the code contains:
· Made with AiStaffo
What goes inside a UPI QR code
| pa (required) | Payee UPI ID, e.g. yourname@bank |
|---|---|
| pn (required) | Payee name shown to the payer, URL-encoded (a space becomes %20) |
| am (optional) | Amount in rupees, up to 2 decimals. Without it the payer types the amount. |
| cu | Currency: INR is the only value UPI supports |
| tn (optional) | A short note, such as an order or invoice number |
| Not added | Merchant code (mc) and transaction reference (tr): these are issued by your bank for merchant accounts |
Worked example
A shop with the UPI ID example@upi wants a code for a ₹250 order with the note "Order 42". The code holds exactly:
upi://pay?pa=example@upi&pn=Sharma%20Store&am=250.00&cu=INR&tn=Order%2042
Leave the amount empty and the same shop gets one code for the counter that works for every bill.
Use it safely
- Check the UPI ID twice: money paid to a wrong ID is hard to get back. Before printing, pay ₹1 to your code from a different app and check the name shown.
- You never need to scan a code or enter your UPI PIN to receive money. A PIN is only needed to pay. Anyone who asks you to scan a code "to receive" a payment is trying to take money.
- Cover or replace old printed codes when you change your bank account or UPI ID.
For businesses: what happens after the scan
A QR code starts a conversation: a menu order, a WhatsApp chat, a payment, an enquiry form. AiStaffo sets up AI workers that pick up from there, answering chats and enquiries, logging leads, matching payments to orders and sending follow-ups, so your team only handles the exceptions. Book a free automation audit to see which of these your business could hand over.
Please note: this generator follows the published formats as checked on 21 October 2026. How a phone reacts to a scanned code depends on its camera or scanner app, so test every code on more than one phone before printing it in quantity. This tool is independent and not connected with NPCI or any bank.
Sources
Questions people ask
How do I make a UPI QR code for my UPI ID?
Can I set a fixed amount in a UPI QR code?
Which apps can pay with this QR code?
Is it safe to share my UPI QR code?
Does a UPI QR code expire?
Where do I find my UPI ID?
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