Free UPI QR code & payment link generator.
Convert any UPI ID or bank account into a QR code (a.k.a. “scanner”) and a shareable payment link in seconds. Zero fees. No signup. Works with GPay, PhonePe, Paytm, BHIM and every UPI app.
@okaxis@okicici@ybl@paytm@oksbi@hdfcbank- & every other
- Runs in your browser
- Nothing stored, ever
- Open spec, no lock-in
NPCI requires extra confirmation in the payer’s app for payments above ₹2,000 to a new payee. This is a security rule, not an error.
Your QR will appear here
Type a UPI ID to start — it’s instantAlways verify the payee name shown in your UPI app before paying.
Works with every UPI app
- GGoogle Pay
- PPhonePe
- PPaytm
- BBHIM
- CCRED
- aAmazon Pay
- WWhatsApp Pay
- MMobiKwik
- SSlice
- $super.money
- FFi
- JJupiter
Why UPIPE
0% MDR, 0% fees
UPI payments to your bank account carry no merchant discount rate and no transaction fees.
Savings & current accounts
Collect money straight into any account linked to a UPI ID — savings or current.
No KYC for current accounts
If your business already has a current account, no extra KYC is needed to receive UPI payments.
Instant settlement
Funds land in your bank account within seconds. No T+1 wait, no payout schedules.
No UPI registration
You don’t need to register with any aggregator to generate a QR or payment link.
Works on every UPI app
One QR scans on GPay, PhonePe, Paytm, BHIM, CRED and every UPI-compliant app.
How to generate a UPI QR code
- Pick the UPI ID tab and enter your UPI ID (e.g.
yourname@okhdfc). - Optionally add an amount. Leave the name field empty — your UPI app will display your verified bank name instead, which avoids name-mismatch warnings.
- Copy the link, download the QR PNG, or share it. Anyone with a UPI app can pay you.
Frequently asked questions
How do I generate a UPI QR code?
Pick the UPI ID tab above, enter your UPI ID
(e.g. yourname@okhdfc) and optionally an amount. The QR code and a shareable
payment link appear instantly — copy, download, or share them anywhere.
What is a UPI ID (also called VPA)?
A UPI ID — also called a Virtual Payment Address (VPA) — is your unique UPI
handle, like yourname@hdfc, 9876543210@paytm, or
name@okaxis. Every bank gives you one when you set up UPI on any app. Use it
instead of sharing your bank account number to receive payments.
What does @okaxis, @okicici, @ybl, @paytm mean in a UPI ID?
The suffix after @ identifies the bank or app behind the UPI ID:
@okaxis— Axis Bank@okicici— ICICI Bank@okhdfc,@hdfcbank— HDFC Bank@oksbi— State Bank of India@ybl— Yes Bank (used by PhonePe)@paytm— Paytm Payments Bank@apl— Amazon Pay@axl— Axis Bank (Amazon)
They all work the same way in any UPI app.
Can I generate a UPI QR code with a fixed amount?
Yes. Type any amount into the Amount field — the QR code will pre-fill that amount in the payer’s UPI app. Leave it blank if you want the payer to enter the amount themselves.
Can I generate a UPI QR code for a bank account (without a UPI ID)?
Yes — use the Bank Account tab and enter the account number and IFSC. However, most UPI apps (especially PhonePe and Paytm) reject these for security reasons. Using a UPI ID is much more reliable. More about this ↓
Is UPIPE free? Are there any fees?
UPIPE is 100% free, forever. No signup, no aggregator, no transaction fees, 0% MDR. UPIPE generates the QR code locally in your browser — we don’t process or store any payment data.
Will my QR code work in Google Pay, PhonePe, Paytm, BHIM and other UPI apps?
Yes. UPIPE generates QR codes that follow NPCI’s official UPI URL specification. They work in every UPI-compliant app, including Google Pay (GPay), PhonePe, Paytm, BHIM, Amazon Pay, CRED, WhatsApp Pay, MobiKwik, Slice, super.money, Fi, Jupiter and many more.
What’s the difference between a UPI QR code and a UPI payment link?
A QR code is a scannable image — the payer opens any UPI app and
scans it. A payment link is a regular URL like
https://upi.pe/?pa=alice@hdfc&am=500 — tap it on a phone and it
opens the UPI app directly with the amount pre-filled. UPIPE generates both at once so
you can pick whichever is easier to share.
Why is my payment app showing a security warning?
UPI apps run anti-fraud checks on every payment. Common reasons:
- “Payee name doesn’t match” — the name in the QR is different from the verified name on the bank account. Fix: leave the “Your name” field blank. The payer’s app will show the real bank name instead.
- First-time payee, amount above ₹2,000 — an NPCI rule that asks the payer to confirm new payees on larger payments. Normal, not an error.
- Bank-account QR rejected — PhonePe and Paytm refuse QR codes that address a bank account directly via IFSC. Use a UPI ID instead.
For payment disputes, contact your bank first, then NPCI’s dispute redressal.
Taking regular business payments?
For verified merchant QRs (with your business name shown to payers and no first-time-payee friction), onboard via a Payment Service Provider:
About UPI
UPI (Unified Payments Interface) is the real-time payment system built by NPCI that lets mobile apps move money peer-to-peer and peer-to-merchant in a single, unified flow.
Newer additions since 2022:
- UPI Lite — on-device wallet for fast small-value payments without PIN.
- UPI on RuPay Credit Card — pay via your credit card linked to UPI.
- UPI International — pay merchants in Singapore, UAE, France, Sri Lanka, Bhutan, Mauritius and more.
- UPI Circle — delegated UPI for family members or staff.
- Secondary UPI numbers — link multiple mobile numbers to one bank account.
Issue with a UPI payment?
- Contact your bank first — they are the system of record for your account.
- If the issue is with a specific UPI app, see NPCI’s list of 3rd-party UPI apps for their support routes.
- For unresolved disputes, file with NPCI dispute redressal.
- To report a bug or misuse of UPIPE, use this contact form.
About bank-account QR codes
UPIPE lets you generate a QR from a bank account number + IFSC, but most popular UPI apps in India won’t honour them. Here’s what’s going on and what to do instead.
Why apps reject them
The UPI specification supports addressing payees as
<account>@<IFSC>.ifsc.npci, but PhonePe and Paytm treat it as a
high-risk “unverified payee” pattern and block the payment with a security
warning. Google Pay and BHIM may still let the payment through, sometimes after an
extra confirmation.
Use your UPI ID instead
Every bank assigns you a UPI ID the moment you set up UPI on any app
(e.g. yourname@hdfc, 9876543210@paytm). It’s the canonical
UPI addressing scheme and works in every app, every time. Switch to the UPI ID tab
above to generate a QR that will not be rejected.
Don’t know your UPI ID?
Open any UPI app → Profile → UPI ID. Most banks also let you create a custom
human-readable one (like yourname@hdfcbank) for free. It maps to the same
underlying bank account.
Taking business payments?
For verified merchant QRs with no first-time-payee friction and your business name shown to payers, onboard via a Payment Service Provider such as Razorpay, Cashfree, PhonePe for Business, or BharatPe.