Free UPI QR Code Generator

Turn your UPI ID into a QR code that PhonePe, Google Pay, Paytm, BHIM and every other UPI app can scan to pay you, with or without a fixed amount.

Every UPI app · Fixed amount optional · Table stand and poster as PDF · Made in your browser

Made in this browser and never uploaded · static codes that never expire

UPI payment

UPI ID

@yblPhonePeonYES Bankany UPI app can pay it

Payee name

Amount (optional)

Note (optional)

Merchant details (MCC, transaction reference)

Merchant category code (MCC)

Transaction reference

Your UPI PIN is only for paying. Nobody needs it to send you money.

In the codeupi://pay?pa=shop.example@ybl&pn=Example%20Store&cu=INR55 bytes

Your code

Version 6 · 41 × 41 · EC H

Print it or show it on your screen: paying from a shared QR image is capped at ₹2,000.

PDF · A6 table stand, four to an A4 sheet

Scan check

Reading…

Checking…

Reading the code back the way a strict phone reader would.

Exact fileas downloaded

Small print≈ 2.5 cm, slight blur

Fadedglare, dim light

Read backReading…

Logo: 7.2 % of the codesafe 10 % · cap 15 % · lab limit at v6: 19.3 %
Contrast: 85 % · A#c2410c on #ffffff
Quiet zone: 4 modules
Code on this print: 7.0 cm wide · scans from about 36 cm1.43 mm a module: 1 module per 250th of the distance (an estimate)

Design

Every template reads back in the scan check, on screen and on a small faded print.

How do I turn my UPI ID into a QR code?

Type your UPI ID (the name@handle your app shows), the name customers should see and, if you like, an amount: the code appears as you type. Download it as SVG, PNG or PDF, or print it as a table stand or poster with your name and UPI ID written under the code.

The code is made in your browser: your UPI ID isn't uploaded or written into the page's address. There's nothing to register either, as the code only carries the UPI ID your bank already knows.

UPI QR code generator: a code for shop.example@ybl, named as PhonePe on YES Bank, shown as a printable table stand — The generator opened on UPI: the UPI ID and its app, the code on its stand with the scan check, and the PDF download. Select a number to see what each part does.

How does a UPI QR code work?

A UPI QR code holds a upi://pay link with your UPI ID (pa) and name (pn), in the format set by NPCI's UPI Linking Specification v1.6 (copy hosted by labnol.org). Every app must open these links, so one code works in PhonePe, Google Pay, Paytm, BHIM and the rest, whichever app made your UPI ID.

It's a static code, the normal kind for a small shop: the customer scans it and types the amount. Codes made here are unsigned, because only payment apps and merchants holding NPCI's keys can sign one, so some apps note that the source couldn't be verified before asking for the PIN. This page is our QR Code Generator opened on UPI: the same tool makes link, Wi-Fi and contact codes too.

A UPI payment link, part by part

upi://pay?pa=shop.example@ybl&pn=Example%20Store&am=250.00&cu=INR&tn=Order%2042

upi://pay?: Every UPI app opens it
pa=shop.example@ybl: The UPI ID that gets paid@yblIssued byPhonePeYES Bank
pn=Example%20Store: The name the app shows
am=250.00: A fixed amount, two decimals; leave it out and the payer types it
cu=INR: Rupees, the only currency UPI takes
tn=Order%2042: A note

One code, every UPI app

PhonePe
Google Pay
Paytm
BHIM
Amazon Pay
CRED
MobiKwik
WhatsApp

Which app is my UPI ID from? @ybl, @okaxis, @paytm

The part after the @ is the handle NPCI gives each app and its partner bank: @ybl, @ibl and @axl are PhonePe; @okaxis, @okhdfcbank, @okicici and @oksbi are Google Pay; @paytm and the @pt handles are Paytm; @upi is BHIM. So any UPI QR generator is a ybl QR code generator: type the whole ID, such as shop.example@ybl, and the tool names PhonePe and its bank as you type.

Any UPI app can pay any handle. Your own UPI ID is on your app's profile or "My QR" screen, under your name.

Common UPI handles and the banks behind them (NPCI's lists)

App	Handles and their banks
PhonePe	@axlAxis Bank @iblICICI Bank @yblYES Bank
Google Pay	@okaxisAxis Bank @okhdfcbankHDFC Bank @okiciciICICI Bank @oksbiState Bank of India
Paytm	@paytmYES Bank @ptaxisAxis Bank @pthdfcHDFC Bank @ptsbiState Bank of India @ptyesYES Bank
BHIM	@upiNPCI's own app
Amazon Pay	@aplAxis Bank @raplRBL Bank @yaplYES Bank
WhatsApp	@waaxisAxis Bank @wahdfcbankHDFC Bank @waiciciICICI Bank @wasbiState Bank of India
CRED	@axisbAxis Bank @yescredYES Bank
MobiKwik	@ikwikHDFC Bank @mbknsNSDL Payments Bank

How do I set a fixed amount in a PhonePe or UPI QR code?

Type the amount in the generator's Amount field: it's written into the code as am=250.00, and PhonePe, Google Pay and the other apps open with it already filled in. Leave the field empty for a shop counter, where every bill is different, and the payer types the amount.

NPCI's spec asks only for the amount in decimal form; the generator writes rupees and paise, with two decimals. Show a code with an amount above ₹2,000 on a screen or on paper rather than sending it as a picture: paying a person from a shared QR image is capped at ₹2,000 (NPCI).

What the payer's app shows

Example Storeshop.example@ybl₹ The payer types the amount

No amount in the codeupi://pay?pa=shop.example@ybl&pn=Example%20Store&cu=INR

Example Storeshop.example@ybl₹ 250.00The amount is filled in

am=250.00 in the codeupi://pay?pa=shop.example@ybl&pn=Example%20Store&am=250.00&cu=INR

How do I print a UPI QR code for my shop?

Choose Table stand or Poster above the code and download the PDF: it prints the code with your name, your UPI ID and the app marks, so customers know any UPI app works. Keep the white margin round the code, and print on matt paper, which throws back less glare than gloss.

Then scan the print with two different UPI apps before you put it out. The reach below is the tool's own estimate (a module at least 1/250 of the scanning distance, worked out from QR vendors' 10:1 rule of thumb), for a code with a UPI ID and a name.

To scale, with how far a phone reads each code

A6 table stand105 × 148 mm · code 7 cm · reads from about 45 cm

A4 poster210 × 297 mm · code 14 cm · reads from about 85 cm

Is there a limit on UPI QR code payments?

Yes: a normal UPI payment, person to person included, is capped at ₹1 lakh (NPCI's FAQ). Since 15 September 2025, verified merchants in some categories, such as insurance, travel and credit-card bills, can take up to ₹5 lakh in one payment (NPCI circular OC 185B), and banks may set lower limits of their own.

Since 1 October 2025, UPI no longer carries person-to-person "collect" requests (NPCI circular OC 220), so showing your code is now the way to ask a person for money. Two older NPCI rules still stand: paying a person from a tapped upi:// link isn't allowed, and paying a person from a shared QR image is capped at ₹2,000 (NPCI circular OC 76C). Scan to pay, never to receive: nobody needs your PIN to send you money.

UPI's per-payment caps today, and what changed in 2025

Paying a person from a shared QR imageNPCI OC 76C, a standing rule₹2,000
A normal UPI payment, person to person tooNPCI₹1,00,000
Verified merchants in listed categoriesSince 15 Sep 2025₹5,00,000

1 Feb 2025Transaction IDs with special characters declined
15 Sep 2025₹5 lakh for verified merchants in listed categories
1 Oct 2025Person-to-person collect requests end

QR Code is a registered trademark of DENSO WAVE INCORPORATED.

UPI QR code FAQ

Does one UPI QR code work with PhonePe, Google Pay and Paytm?

Yes. A UPI ID made on one app can be paid from any other UPI app or bank app, and every UPI app must open the upi://pay link the code holds. So one code covers PhonePe, Google Pay, Paytm, BHIM, Amazon Pay and the rest; you don't need a separate QR code for each app your customers use.

How do I make a QR code for my @ybl UPI ID?

Type the whole UPI ID, for example shop.example@ybl, and your name as it should appear. The tool recognises @ybl as a PhonePe handle on YES Bank and makes a standard UPI code, so customers can pay it from PhonePe, Google Pay, Paytm or any other UPI app. Then download it, or print it as a table stand or poster.

How do I set a fixed amount in a PhonePe QR code?

Fill in the Amount field before you download the code. It's written as am=250.00, with two decimals, and the payer's app opens with that amount filled in. Leave the field empty if each customer pays a different sum. A code with a fixed amount suits a single bill, a fee or a donation of a set size.

How do I find my UPI ID?

Open your UPI app and look at your profile or the screen that shows your own QR code: the UPI ID is listed there, in the form name@handle. Bank apps show it under UPI settings. Copy it exactly, including everything after the @, because a code with a mistyped ID sends payers to the wrong place or nowhere.

Is there a limit on payments to a UPI QR code?

A normal UPI payment is capped at ₹1 lakh, person to person included; verified merchants in listed categories can take up to ₹5 lakh since September 2025. Paying a person from a shared QR image is capped at ₹2,000, so print the code or show it on a screen rather than sending the picture. Banks may set lower limits.

Why does the app say the source couldn't be verified?

Codes made outside a payment app are unsigned: only payment apps and merchants holding NPCI's keys can sign a UPI link. Some apps show that note for any unsigned code, then ask for the PIN as usual, and the money still reaches the UPI ID in the code. The payer should check the name the app shows before paying.

Can someone take money by making me scan a code?

Scanning a UPI code and entering your PIN always sends money; it never receives it. A buyer who sends you a code "to receive payment" is running a known scam. Nobody needs your UPI PIN to pay you: show them your own code or UPI ID instead, and they pay from their app.

Is this a static or dynamic UPI QR code?

Static: it holds your UPI ID and name, and an amount only if you set one, so the same code works for every payment and never expires. Dynamic UPI codes are made by a shop's billing system for one bill, with the amount and a bill number inside. For a counter, a stall or a freelancer's invoice, a static code is the usual choice.

Can I share my UPI QR code on WhatsApp?

You can send the picture, but it's the slow way to get paid: paying a person from a shared QR image is capped at ₹2,000 per payment, and paying a person by tapping a upi:// link isn't allowed. Send your UPI ID as text instead, or let them scan the code from your screen or a print.

Can I add my logo to a UPI QR code?

Yes. Open the Logo tab and choose the UPI mark or your shop's own logo. The generator switches to error correction level H, keeps the logo near 10 % of the code's area and reads the code back before you download it. Keep the payee name and UPI ID printed beside the code too, so customers can check them.

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Free UPI QR Code Generator

UPI payment

Your code