How to Generate a UPI QR Code for Payments (India Guide 2026)

UPI QR codes make collecting payments effortless. A customer scans, enters the amount (or you pre-fill it), and pays — in under 10 seconds. No card machines. No cash change. No payment links to share.

Here is how to generate one for your business or personal use.

What Is a UPI QR Code?

A UPI QR code encodes your UPI payment address (UPI ID or VPA) in a format that all UPI-compatible apps can read. When scanned with PhonePe, Google Pay, Paytm, BHIM, or any UPI app, the payment screen opens pre-filled with your details.

You can create two types:

Basic UPI QR (no amount): The payer enters the amount. Use this for general payments where the amount varies.

Fixed-amount UPI QR: The QR code pre-fills a specific amount. Use this for set-price items, donations, or entry fees.

Step-by-Step: Generate Your UPI QR Code

1. Go to QRCrack's UPI QR code generator
2. Enter your UPI ID (e.g., yourname@upi, yourphone@paytm, yourbusiness@okicici)
3. Enter your Name as it should appear to payers
4. Optionally, enter a fixed amount (leave blank for open amount)
5. Add a transaction note if desired (e.g., "Lunch payment", "Donation")
6. Customize colors to match your brand or shop
7. Download as PNG or SVG
8. Print and display at your counter, table, or stall

Finding Your UPI ID

Your UPI ID is visible in your payment app:

• PhonePe: Profile → UPI IDs
• Google Pay: Settings → Payment methods → UPI IDs
• Paytm: Profile → UPI Settings
• BHIM: Profile → UPI ID
• Bank app: Usually displayed on the homepage or payment section

It typically looks like: mobilenumber@bankshortcode or name@upi

Where to Display Your UPI QR Code

Counter display: Print at A5 or A4 size and place in a standee at your checkout counter. This is standard for kirana stores, street food vendors, and shops.

Table display: For restaurants and cafes, place smaller printed cards at each table. A4 size is overkill for a table — use A6 or business-card size.

On invoices: Include your QR code on printed invoices so clients can pay immediately.

On packaging: If you deliver goods, print the QR on your packaging or include a small card.

WhatsApp / digital: Share the QR code image in WhatsApp Business chats so clients can pay from their phone without a physical print.

QR Code Size for UPI Payments

For counter display: 10cm × 10cm minimum (A6 card). For wall-mounted signs: 15cm × 15cm or larger. Print on matte paper — gloss can create glare under fluorescent lights.

UPI QR vs. Payment Links

For in-person payments, always use a QR code. For remote payments (WhatsApp, email), a payment link or the QR image shared digitally both work.

Setting Up a Business UPI ID

For higher transaction limits and a professional image, register a merchant UPI ID through:

• PhonePe for Business
• Google Pay for Business
• Paytm for Business
• Razorpay or Instamojo (for higher volumes and reconciliation)

Business UPI IDs look like businessname@indus or shop@razorpay and offer higher daily limits than personal UPI IDs.

Testing Your UPI QR Code

Before displaying at your shop:

1. Scan with PhonePe
2. Scan with Google Pay
3. Scan with Paytm
4. Verify your name and UPI ID appear correctly
5. If fixed amount: verify the amount pre-fills correctly

Do a small test transaction (₹1) to confirm end-to-end payment flow works.

Generate your UPI QR code now — free. Works with all UPI apps.