UPI QR Code Guide: Accept Payments at Your Shop, Free
The standard behind every payment sticker in India — and how to make your own.
Every UPI payment QR — from the biggest chain store to the smallest tea stall — encodes the same standard link format: upi://pay?pa=yourid@bank&pn=YourName&cu=INR. Any UPI app (GPay, PhonePe, Paytm, BHIM and others) can scan it because they all read this NPCI deep-link specification. You don't need a payment company to generate one.
What goes into the code
- pa — your UPI ID (VPA), e.g.
shopname@okbank. This is where money arrives. - pn — payee name shown to the customer before they pay.
- am — optional fixed amount; leave it out and the payer enters the amount.
- tn — optional note, like an order number.
Caution: Making a QR Code only encodes the UPI details you enter — it does not verify them. A single typo in your UPI ID can redirect payments to the wrong account, and UPI transfers cannot be reversed. Making a QR Code and its operators are not liable for misdirected payments, transaction failures, or any financial loss. Use entirely at your own risk. Full disclaimer →
Safety checklist before you print
- Test-scan your own code with at least two different UPI apps and confirm your name appears as the payee.
- Send yourself ₹1 as a live test.
- Double-check the UPI ID character by character — a typo sends money to a stranger and UPI transfers cannot be reversed.
- Once displayed, check the sticker regularly: a known scam is pasting a fraudulent QR over a legitimate one. Laminating and placing it behind the counter glass helps.
Static UPI codes never expire
Because the code contains your UPI ID directly (not a redirect), it works as long as your UPI ID is active — no subscription, no renewal, no middleman.
Create your free QR code →