How do I create a UPI payment link?

Enter your UPI ID and, optionally, an amount. UPIPE builds a link like https://upi.pe/yourname@okhdfc/500 straight away. Copy it and send it anywhere — WhatsApp, SMS, email, an invoice or a bio link.

What happens when someone opens my UPI link?

On a phone they see the amount and payee, then tap once to open their default UPI app with everything pre-filled. On a desktop the same page shows a QR code they can scan with their phone.

0% fees. No signup.

UPI payment link generator

Q: Is a UPI payment link free to create?

Yes. UPIPE charges nothing and takes no cut. The money moves directly from the payer's bank to yours over UPI, so there is no MDR and no settlement delay. You do not need a merchant account or any signup.

Q: Can I create a UPI link without an amount?

Yes. Leave the amount blank and the payer types whatever they want to send. That is the better choice for tips, donations and reusable links in a bio or signature.

Q: Do UPI payment links expire?

No. A UPI payment link is just a URL that encodes your UPI ID — nothing is stored on a server and there is no expiry. It keeps working as long as the UPI ID behind it is active.

Turn your UPI ID into a link you can send anywhere. One tap opens the payer’s UPI app with your name and the amount already filled in — no app install, no account, nothing stored.

Your QR will appear here

Type a UPI ID to start — it’s instant

Shareable link opens in any browser → tap to pay

Always verify the payee name shown in your UPI app before paying.

Prefer a scannable image? Use the UPI QR code generator instead — the tool above produces both at once.

Works with every UPI app

GGoogle Pay
PPhonePe
PPaytm
BBHIM
CCRED
aAmazon Pay
WWhatsApp Pay
MMobiKwik
SSlice
$super.money
FFi
JJupiter
GGoogle Pay
PPhonePe
PPaytm
BBHIM
CCRED
aAmazon Pay
WWhatsApp Pay
MMobiKwik
SSlice
$super.money
FFi
JJupiter

How to generate a UPI payment link

Enter your UPI ID (for example yourname@okhdfc) in the field above.
Optionally set an amount. Leave it blank for a reusable link the payer fills in themselves.
Copy the generated link — it looks like https://upi.pe/yourname@okhdfc/500 — and share it.

Leave the name field empty unless you have a reason not to. UPI apps show the verified name registered against the bank account anyway, and supplying a different one triggers a “payee name doesn’t match” warning on the payer’s screen.

When a link beats a QR code

Chat and SMS

A link is tappable inside WhatsApp, Telegram or SMS. A QR image in a chat has to be saved, then re-opened in a UPI app’s scanner — several more steps.

Invoices and email

Paste the link into an invoice, a payment reminder or an email footer. It survives copy-paste and plain-text email in a way an image never does.

Bio and profile links

An amount-free link works as a permanent “pay me” button in an Instagram bio, a link-in-bio page or an email signature.

Remote work and freelancing

Send the exact amount with the invoice so the client cannot mistype it. Settlement is instant and bank-to-bank.

What a UPI payment link actually is

Underneath, UPI addresses payments with a URL scheme defined by NPCI: upi://pay?pa=yourname@okhdfc&am=500&cu=INR. Phones understand that scheme and hand it to a UPI app — but it is useless on a desktop, ugly to share, and many chat apps refuse to linkify it.

A UPI payment link wraps that in an ordinary https:// URL. Opening it shows a normal web page: on a phone, a button that hands off to the UPI app; on a desktop, a QR code to scan. The underlying upi:// parameters are identical, so the payment behaves exactly the same in every UPI app.

Because the details are encoded in the URL itself, nothing is stored on a server, the link never expires, and UPIPE never sees the payment. Full comparison of QR codes and links →

Frequently asked questions

Is a UPI payment link free to create?

Yes. UPIPE charges nothing and takes no cut. Money moves directly bank-to-bank over UPI, so there’s no MDR and no settlement delay. No merchant account, no signup, no KYC.

Can I create a UPI link without an amount?

Yes — leave the amount blank and the payer enters whatever they want. That’s the right choice for tips, donations, and any reusable link you’ll post once.

Do UPI payment links expire?

No. The link encodes your UPI ID directly, so there’s no record to expire. It works as long as that UPI ID is active.

Can I use this for my business?

For occasional invoices, yes — a current account linked to UPI receives payments with 0% MDR. For regular volume you probably want a verified merchant setup (your business name shown to payers, no first-time-payee friction) via Razorpay, Cashfree or PhonePe for Business.

Why does the payer see a confirmation prompt above ₹2,000?

That’s an NPCI rule for first-time payees, not an error and not something UPIPE controls. The payer confirms once and the payment goes through normally.

Is it safe to share a UPI payment link publicly?

A UPI ID is designed to be shared — it’s the whole point of the addressing scheme, and it exposes no more than your name. It only ever receives. Never share your UPI PIN, and remember that no legitimate payment ever requires you to enter your PIN to receive money. If someone asks you to, read how UPI payment scams work.