NPCI QR code generator
Generate a UPI QR code built to NPCI’s published UPI URL specification — the same format banks and UPI apps use. Free, instant, generated in your browser.
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
What people mean by “NPCI QR code”
It is worth clearing this up, because the phrasing suggests a product that does not exist. NPCI does not issue a separate kind of QR code. The National Payments Corporation of India operates UPI and publishes the specification that says how a payment request is encoded as a URL. A “UPI QR code” is nothing more than that URL drawn as a QR image.
So a QR generated here is an NPCI QR code, in the only sense the term has. It encodes:
upi://pay?pa=yourname@okhdfc&pn=Your%20Name&am=500.00&cu=INRWhere the parameters are the ones the specification defines:
pa— payee address, your UPI ID (required)pn— payee name (optional; apps show the verified bank name anyway)am— amount (optional; omit it and the payer chooses)cu— currency, alwaysINRtn— transaction note (optional)tr— transaction reference (optional)
Because every UPI-compliant app parses this same format, a QR built to spec works in BHIM, Google Pay, PhonePe, Paytm, Amazon Pay, CRED and the rest without anything app-specific.
NPCI QR, BharatQR and merchant QR
UPI QR (what this page makes)
Encodes a upi://pay URL. Anyone with a UPI ID can create one, free,
with no registration. Money lands in the linked bank account instantly at 0% MDR.
BharatQR
An interoperable QR that also carries Visa, Mastercard, RuPay and Amex scheme data. Issued to merchants through an acquiring bank — you cannot self-generate one.
Merchant (P2M) QR
A UPI QR tied to a verified merchant account. Shows your business name to payers and skips first-time-payee confirmation. Obtained via a PSP, not generated.
Static vs dynamic
“Static” means no amount — the payer types it. “Dynamic”
means the amount is baked in. Both are the same spec; the only difference is whether
am is present.
Fixed-amount QR codes →
Frequently asked questions
Does NPCI provide its own QR code generator?
NPCI publishes the specification; it does not run a public consumer generator. Banks, UPI apps and independent tools implement the spec. What matters for acceptance is that the encoded URL is correct, not who produced the image.
Is a self-generated QR as valid as one from my bank?
For receiving money into your own account, yes — the payment routes through the same UPI rails either way. The difference is that a bank-issued merchant QR carries verified merchant status, which changes what the payer sees and removes first-time-payee prompts. It does not change whether the payment works.
Why does my payer see a security warning?
Usually one of three NPCI-level checks: a first payment above ₹2,000 to a new payee, a payee name in the QR that does not match the verified bank name (fix: leave the name field blank), or bank-account addressing, which PhonePe and Paytm refuse. None of these indicate a malformed QR.
Where can I read the specification?
NPCI publishes UPI documentation and circulars on npci.org.in. For disputes, use NPCI dispute redressal.
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