Create a UPI Payment QR Code Online Free
🚀 Build Your UPI Payment QR Code
Fill in the details below — the QR code on the right updates live. Nothing leaves your device.
💳 Some UPI transactions above a threshold amount may attract charges under bank/network/regulatory rules that change over time. This tool only builds standard QR codes for the exact amounts you enter (or split, if you choose to) - it does not calculate, hide, or help you avoid any applicable charge. Please confirm current UPI charge rules and merchant terms with your bank or payment provider.
🏦 Payee Details
Enter a valid UPI ID, like name@bank.
💰 Amount & Note
Leave blank for an open QR code — the payer enters the amount.
✂️ Split Payment
When enabled, a large amount is broken into smaller QR codes the payer can scan one at a time.
Each QR will carry this amount. The last QR may be smaller.
Scan to Pay
Quick answer: Enter your UPI ID (like name@bank), your payee name, and optionally a fixed amount and a short note, then click Generate QR Code. The tool builds a standard upi://pay QR code that any UPI app - Google Pay, PhonePe, Paytm, BHIM, or a banking app - can scan to pre-fill the payment. Leave the amount blank for an open QR code the payer can fill in themselves. Need to collect a large amount, like ₹20,000, in smaller pieces? Turn on Split Payment, set a per-QR amount like ₹1,999, and the tool generates the full set of QR codes for you - each with its own amount and label. Everything happens locally in your browser - nothing is uploaded anywhere. This tool does not calculate or work around any bank, network, or tax charges applicable to UPI transactions.
- Cost: Free, unlimited QR codes, no signup.
- Where it runs: 100% in your browser — no upload, no server storage.
- Format: Standard UPI deep-link QR, compatible with all major UPI apps.
- Fixed or open amount: Set a specific amount, or leave it open for the payer.
- Split payments: Break a large amount into a set of smaller QR codes automatically.
- Downloadable: Save a single QR, or a full combined sheet, as a PNG.
- No fee logic: Encodes exactly the amounts you enter — the tool never hides or adjusts charges.
✅ 100% Private: Your UPI ID and payment details are used only to build the QR code(s) locally in your browser. No data is ever uploaded to a server or stored anywhere.
Note: Your form data will be cleared once your session ends or you clear the app.
How to Create a UPI Payment QR Code
Enter Your UPI ID
Type your UPI ID (VPA), such as yourname@bank.
Add Payee Name
Enter the name that should appear to the payer.
Set Amount & Note
Optionally fix an amount and add a short payment note.
Split If Needed
For large amounts, enable Split Payment and set a per-QR amount.
Generate & Download
Click Generate QR Code, then download individually or as a combined sheet.
🔒 Your Payment Data Never Leaves Your Device
This tool builds the entire QR code, or full set of split QR codes, using JavaScript running entirely inside your browser tab. There is no upload step, no server-side processing, and no network request that contains your UPI ID or payment details.
Common Uses for a UPI QR Code Generator
Retail & Kirana Stores
Print a counter QR code so customers can pay instantly by scanning.
Restaurants & Cafés
Generate table or counter QR codes with a fixed bill amount and note.
Events & Stalls
Set up quick-pay QR codes for entry fees, stalls, or ticket counters.
Freelancers & Creators
Share a personal payment QR code for services, tips, or commissions.
Schools & Community Events
Collect fees or contributions for fairs, trips, or fundraisers.
Delivery & Field Collections
Print QR codes for delivery agents to collect cash-on-delivery digitally.
Large Bills & Contractors
Split a big invoice into several smaller QR codes for step-by-step collection.
Course & Fee Instalments
Generate multiple QR codes matching instalment amounts for a course or program.
Why Use This UPI QR Code Generator?
- Fully Client-Side: The QR code(s) are built entirely in your browser — no upload.
- Standard UPI Format: Works with Google Pay, PhonePe, Paytm, BHIM, and bank apps.
- Live Preview: See exactly how your payment request looks as you type.
- Fixed or Open Amount: Lock in an amount, or leave it for the payer to enter.
- Split Large Amounts: Automatically break a big total into smaller, scannable QR codes.
- Optional Note: Add a short reference like an invoice number or order ID, auto-numbered per QR.
- Downloadable: Save a single PNG, download all split QRs individually, or export one combined sheet.
- 100% Free & Private: No account, no watermark, no server storing your data.
UPI QR Code Generator – Complete Guide
A printed UPI QR code turns a phone camera into a payment terminal - no card machine, no cash float, no waiting for change. This tool builds that QR code from your UPI ID and payment details in a few seconds, entirely on your own device - and if you need to collect a large amount in smaller chunks, it can generate the whole set of QR codes for you at once.
What's Inside a UPI QR Code?
A UPI QR code encodes a upi://pay link containing the payee's UPI ID, their display name, and optionally a fixed amount and a short note. When a UPI app scans it, it reads these fields and opens a pre-filled payment screen, so the payer only needs to confirm and authorize with their PIN.
How This Generator Actually Works
As you fill in your UPI ID, payee name, amount, and note, the tool assembles the standard UPI deep-link string and renders it as a QR code directly in your browser using a client-side QR code library. Nothing is sent anywhere to generate this - the same JavaScript that runs the live preview also draws the final QR code(s) you download. Fields left blank, like the amount, are simply omitted from the link, producing an open QR code the payer can fill in themselves.
How Split Payment QR Codes Work
When you enable Split Payment and enter a total amount larger than your chosen per-QR amount, the tool divides the total into equal chunks of that size, with any remainder becoming one final smaller QR code. For example, entering a total of ₹20,000 with a per-QR amount of ₹1,999 produces 10 QR codes of ₹1,999 each plus one final QR code of ₹10 - eleven QR codes in total, each labeled "Payment X of 11" with its own amount and note, so the payer (or you) can track which ones have been scanned.
Each split QR code can be downloaded individually as its own PNG, or you can export a single combined sheet image containing all the QR codes laid out in a grid with the total amount, payee name, and UPI ID printed at the top - handy for printing and pinning at a counter.
Fixed-Amount vs Open-Amount vs Split QR Codes
| Aspect | Fixed-Amount QR Code | Open-Amount QR Code | Split QR Code Set |
|---|---|---|---|
| Amount field | Pre-filled, editable in some apps | Left for the payer to enter | Multiple pre-filled amounts, one per QR |
| Best for | A specific bill, invoice, or fee | A general storefront or donation QR | A large total collected in smaller scans |
| Reusable? | Only for that exact amount | Yes, for any amount | Each QR is single-use for its own amount |
| Output | One QR image | One QR image | A set of QR images or one combined sheet |
Security and Privacy Considerations
- No Data Upload: Every field you fill in, and every QR code generated, stays on your device.
- No Server Processing: QR generation, including split sets, runs entirely as client-side JavaScript.
- No Storage: Nothing about your payment details is saved once you close or refresh the tab.
- No Account Needed: There is no login, tracking, or usage cap.
- Verify Before You Print: Always scan and check a new QR code yourself before displaying it publicly, especially in a split set.
- Know the Rules: Confirm with your bank or payment provider whether splitting payments is appropriate for your use case before relying on it.
Browser Compatibility and Technical Requirements
This UPI QR Code Generator works in modern browsers that support:
- JavaScript QR code generation: For building each scannable QR code.
- Canvas rendering: To draw and preview the QR code images, including the combined sheet.
- Blob downloads: For saving finished QR codes as PNG files.
Supported Browsers:
- ✅ Chrome/Edge 76+
- ✅ Firefox 55+
- ✅ Safari 13.1+
- ✅ Mobile Chrome (Android), Mobile Safari (iOS) — download supported
Troubleshooting Common Issues
Explanation: This usually means the UPI ID entered is not in a valid VPA format. Solution: Double-check your UPI ID follows the name@bank pattern exactly as shown in your UPI app's profile.
Explanation: Some UPI apps only display a pre-filled amount if it's a valid positive number. Solution: Make sure the amount field contains only digits and, optionally, two decimal places.
Explanation: A fixed-amount QR code only works for that one amount. Solution: Leave the amount field blank to generate an open QR code the payer can use for any amount.
Explanation: A very large total with a very small per-QR amount can produce more QR codes than fit comfortably on screen or in the safety cap. Solution: Increase the per-QR amount so fewer, larger-value QR codes are generated.
Explanation: The Split Payment feature exists for convenience - for example, scanning limits or preferring smaller confirmations - not to circumvent fees or taxes. Structuring one payment into multiple smaller transactions specifically to stay under a fee or tax threshold can violate UPI merchant terms and applicable rules. Solution: For questions about a specific charge or how to structure pricing, consult your bank, payment aggregator, or a chartered accountant.
Frequently Asked Technical Questions
Question 1: What format does the QR code actually encode?
Answer: It encodes a standard upi://pay deep link with parameters for the payee UPI ID, name, currency, and optionally amount and a note - the same format used by UPI apps industry-wide. Split QR codes each carry the same format with their own portion of the total amount.
Question 2: What library draws the QR code?
Answer: The QR code is rendered client-side using a JavaScript QR code library loaded directly in your browser tab - no server call is involved, even when generating multiple split QR codes.
Question 3: How does the tool decide whether to include an amount in the QR code?
Answer: If the amount field is left blank, that parameter is omitted from the link entirely, producing an open-amount QR code instead of a zero-amount one. Split mode is only triggered when a total amount greater than the per-QR amount is entered.
Question 4: Can I edit the QR code(s) after generating them?
Answer: Yes - just change any field, including the per-QR split amount, and the preview (single or the full split set) updates live before you download.
Question 5: Does this tool need an account, server, or API key?
Answer: No. All QR generation, single or split, runs as ordinary JavaScript already loaded by this page — you never need an account or any API key to use it.
Glossary of Terms
- UPI
- Unified Payments Interface - a real-time payment system in India that lets users transfer money instantly between bank accounts using a mobile app.
- VPA (Virtual Payment Address)
- A UPI ID such as name@bank that identifies a bank account for receiving UPI payments, without sharing the actual account number.
- UPI Deep Link
- The upi://pay URI format that encodes payee, amount, and note details, which UPI apps read when a QR code is scanned.
- Static QR Code
- A QR code with a fixed UPI ID and, optionally, a fixed amount, that can be reused for multiple payments.
- Open Amount QR Code
- A UPI QR code with no fixed amount, letting the payer type in the amount themselves when scanning.
- Split Payment QR Set
- A group of UPI QR codes generated from one large amount, each encoding a smaller portion of the total for sequential scanning.
Frequently Asked Questions
Yes, completely free with no watermark, no signup, and no limit on how many QR codes you generate.
No. The QR code is built entirely inside your browser using JavaScript. Nothing is transmitted over the network.
A UPI QR code encodes a payment request - the recipient's UPI ID, name, and optionally an amount and note - in a format that any UPI app (like Google Pay, PhonePe, Paytm, or a bank app) can scan and use to pre-fill a payment.
Yes. Leave the amount field blank to create an open QR code where the payer enters the amount themselves in their UPI app - useful for a general storefront QR code.
Yes. The QR encodes the standard UPI deep-link format supported by all UPI-enabled apps in India, including Google Pay, PhonePe, Paytm, BHIM, and banking apps.
No. This tool only encodes the payment details you enter into standard QR code(s). Any fees, charges, or taxes applicable to a UPI transaction are determined by your bank, payment app, or applicable regulations at the time of payment - not by this tool.
This tool can split a large amount into multiple QR codes of a smaller size purely for convenience if you enable that option. However, structuring payments to deliberately stay under a fee or tax threshold may violate UPI merchant terms and applicable tax rules - this feature does not calculate, hide, or help you avoid any applicable charge, and you remain responsible for complying with your bank's and regulator's rules.
Final Thoughts
A UPI QR code is one of the fastest ways to get paid - print it once, scan it many times. This tool builds standards-compliant QR codes, single or split into a full set, with a live preview, entirely on your device, without touching a server or applying any logic to work around applicable transaction charges.
Enter your UPI ID above and generate your first payment QR code!