How a UPI QR Code Works
A UPI QR code encodes a single deep link in the format upi://pay?pa=<your-vpa>&pn=<name>&am=<amount>&cu=INR. When a customer scans it with any UPI app, the app parses the link and opens the payment screen with your details pre-filled. The customer enters their UPI PIN, the bank transfers the money instantly, and you receive an SMS confirmation. Zero merchant fees for personal accounts.
The UPI QR format is a NPCI standard — it doesn't belong to any single app. PhonePe, Google Pay, Paytm, BHIM, Amazon Pay, WhatsApp Pay, Cred, MobiKwik, and every other UPI app reads the same code. You only ever need one printed QR for your shop, regardless of which app your customers prefer.
Compatible With Every UPI App
One QR. Every app. Generate once, accept payments from anyone with any Indian payment app.
Who Uses UPI QR Codes
Print one QR, accept payments from millions. Used by 50+ million Indian merchants and growing.
Kirana Stores
Stick the QR near the cash counter. Customers scan and pay any amount instantly — no swipe machine, no MDR fees.
Restaurants & Cafés
Print on table tents and bill folders. Faster checkout, no waiting for the swipe machine on busy nights.
Freelancers & Consultants
Add your UPI QR to invoices. Clients pay in seconds — no bank account number sharing, no NEFT delays.
NGOs & Donations
Share a fixed-amount QR for ₹100 monthly donations or any-amount QR for flexible giving. No PG integration needed.
Auto & Cab Drivers
Tape a laminated QR to the dashboard. Passengers without cash can pay instantly — no "change nahi hai" problem.
Salons, Tailors, Local Services
Display the QR at the bill counter. Modern, professional, and zero monthly cost vs payment gateway alternatives.
Common UPI ID (VPA) Formats
Your UPI ID looks like an email address — it's your bank's domain after the @. Here are the most common ones:
yourname@ybl, @ibl, @axlyourname@oksbi, @okhdfcbank, @okicici, @okaxisyourname@paytmyourname@upiyourname@aplyourname@waicici, @waaxis, @wahdfcbankyourname@oksbi, @sbiyourname@iciciyourname@hdfcbankFind yours:open any UPI app → Profile or "My UPI ID" → copy the full string.
Static vs Dynamic UPI QR Codes
DNS Robot generates static UPI QR codes — the right choice for ~99% of merchants.
Static UPI QR (this tool)
- ✓ Encoded directly into the QR pattern
- ✓ Works forever — no expiration, no monthly fees
- ✓ No service dependency — works even if dnsrobot.net shuts down
- ✓ Free for everyone
- ✓ Customer-driven amount (or fixed)
- ✓ Print once, use forever
Dynamic UPI QR (Razorpay, Cashfree, Pine Labs)
- • Each transaction gets a unique reference
- • Real-time settlement webhooks
- • Monthly subscription (₹500-5000+)
- • Routes through service provider servers
- • Best for: high-volume e-commerce, ticketing, B2B settlement
- • Overkill for shops, freelancers, individuals