What ends up inside the code
This page builds a static UPI payment link and turns it into a QR code. Nothing more. It does not register you as a merchant, it does not open an account, and it never handles money. The payer's UPI app reads the link and the payment goes from their bank to yours, the same as if they had typed your UPI ID by hand.
The link looks like this:
upi://pay?pa=sharmastore@okaxis&pn=Sharma%20Store&am=250&cu=INR&tn=Order%2042
pais your UPI ID. It is the only required part.pnis the name the payer sees. It is left out if you leave the name empty.amis the amount in rupees. It is left out if you leave the amount empty.cuis alwaysINR.tnis the note, such as "Order 42".
The readout under the code shows this exact text, so you can check it before you print anything. Your details are put together in your browser and are not sent to this site.
Filling in the form
- Enter your UPI ID, for example
9876543210@ybl. The field checks that it looks likename@bank, so a missing @ is caught straight away. - Enter the payee name. Use your shop name or the name on your bank account, so the payer recognises it.
- Add an amount only if every payer owes the same sum.
- Add a short note if you want it to appear in the payer's app and in statements.
- Adjust colours, dot style and logo in the Design panel if you like. The code updates as you type.
- Download PNG, SVG or JPG, or download the printable card, which carries the payee name and UPI ID under the code.
Scan the finished code with your own phone, ideally from a second person's UPI app too, and check that the name shown is the one you expect.
Fixed amount or open amount
Leave the amount empty for a counter, a tea stall or a donation box. The payer types whatever they owe, and one printed code serves every sale.
Fill the amount in when the sum never changes: a tuition fee of 1,500, an entry ticket of 200, or one invoice. The payer's app opens with that figure already in place, which saves a wrong-digit mistake. A fixed amount is baked into the image, so you need a separate code for each different sum.
Some apps let the payer edit a pre-filled amount and some do not. If you must receive an exact figure, check the payment in your own app before handing over goods.
Printing it for a counter or a bill
| Where it goes | Printed width |
|---|---|
| Bill or fee slip | 2.5 to 3 cm |
| Counter card read from arm's length | 5 to 8 cm |
| Wall poster or banner | 10 cm or more |
Keep a clear border around the code, roughly the width of four small squares, and do not let text or a frame touch it. Dark code on a light background scans fastest. Yellow, light grey and white-on-colour often fail.
If you add a logo, error correction switches to High, which can recover about 30% of the code. Keep the logo small and test it. For a press or a flex banner, download the SVG so it stays sharp at any size; use PNG for WhatsApp. Laminate counter cards, but check that the shine does not bounce light into the camera.
Static code versus a merchant sticker from your bank
A static code never changes and works for as long as the UPI ID is active. That suits stalls, tutors, freelancers, and anyone collecting money from friends. It cannot tell your billing software which order a payment belongs to, because the same image is used for every payer.
Banks and payment apps also give shops a merchant sticker or a sound box. Those are tied to a registered merchant account, often with settlement reports and sometimes the Bharat QR standard, which can take cards as well as UPI. If you need orders matched automatically or card acceptance, ask your bank or a payment gateway. This page will not do that.
A UPI ID can sit on a savings or a current account. Create the ID in your bank's app first, then paste it here.
When the code does not scan or the app objects
- Check the UPI ID letter by letter. One wrong character and the app cannot find the payee. Copying it from your UPI app is safest.
- Scan with two different UPI apps before you print a hundred copies.
- If a styled code scans slowly, go back to black on white or print it larger.
- A very long note makes the squares smaller and denser. Shorten it.
- Torn corners, glare and low-quality prints cause most failed scans in a shop.
A caution message for a first payment to a new payee comes from the payer's app. It is not a fault in your code.
Before paying a code someone sent you, you can open it in the QR code scanner, which shows the payee, UPI ID and amount first. If you want customers to reach you or rate you after paying, a WhatsApp code or a Google review code can sit on the same card, and the general QR generator covers links and text.
Frequently asked questions
Does this page handle or see my payments?
No. It only builds the payment link and draws the code in your browser. Payers pay through their own UPI app, directly to your bank account.
Will every UPI app read the code?
It uses the standard upi://pay link that BHIM, Google Pay, PhonePe, Paytm and bank apps understand. Test with the apps your customers use before you print.
Can I make a code from a bank account number and IFSC?
No. The code needs a UPI ID. Create one linked to your account in your bank app or any UPI app, then paste it in.
Why does the payer see a different name from the one I typed?
Most apps show the name registered with the bank for that UPI ID. This is normal and helps the payer confirm they are paying the right person.
Is it safe to put the code on a wall or a bill?
The code only lets people send money to you. Nobody can take money from your account without your UPI PIN, and you never enter a PIN to receive money.
Does the code expire?
The code itself has no expiry. It stops working only if your UPI ID is closed or changed, and then you need a new one.
Can customers pay by card through it?
A personal code mainly receives payments from bank accounts. Card payments through UPI are tied to registered merchant codes, so ask your bank about that.
Updated 2026-10-14