UPI QR Code Generator
Create customized UPI payment QR codes for Google Pay, PhonePe, Paytm, and BHIM with fixed amounts and merchant names.
Free Online UPI QR Code Generator
Create customized UPI payment QR codes for Google Pay, PhonePe, Paytm, and BHIM with fixed amounts and merchant names.
Quick Answer & Overview
The UPI QR Code Generator creates custom, scannable Unified Payments Interface (UPI) payment barcodes compatible with PhonePe, Google Pay, Paytm, and BHIM. It embeds your Virtual Payment Address (VPA), payee name, fixed rupee amount, and invoice reference into a zero-fee payment QR code.
Enter UPI VPA ID
Enter your Virtual Payment Address (e.g., yourname@okhdfcbank, business@paytm).
Enter Payee Name & Amount (Optional)
Specify the merchant business name and set a fixed transaction amount (in INR ₹).
Add Transaction Note
Add an optional payment description or order ID note (e.g., "Invoice #1042").
Download Payment QR Code
Download your high-resolution UPI QR code in PNG or SVG vector format, ready for store display or invoicing.
Accept Direct UPI Payments with Zero Merchant Fees
Collecting payments for freelance services, retail shops, or web invoices using third-party payment gateways often incurs 2%–3% processing fees plus delayed bank settlements. Our UPI QR Code Generator creates direct bank-to-bank payment codes adhering to official NPCI standards with zero fees and immediate settlement.
0% Commission Fees
Direct peer-to-merchant UPI payments settle instantly into your bank account with zero gateway cuts.
Universal App Support
Scannable by Google Pay, PhonePe, Paytm, BHIM, CRED, Amazon Pay, and all 100+ Indian banking apps.
Fixed Amount Billing
Pre-fill the exact payable rupee amount and invoice note so customers cannot underpay by mistake.
Standard NPCI UPI Deep Link Schema
| UPI Parameter | Standard Syntax | Payment Function |
|---|---|---|
| pa | pa=business@upi | Payee Virtual Payment Address (VPA). |
| pn | pn=Acme+Corp | Payee Merchant / Business Display Name. |
| am | am=1499.00 | Fixed transaction amount in Indian Rupees (INR). |
| tn | tn=Inv-9842 | Transaction description or invoice order reference. |
Frequently Asked Questions
Which UPI payment apps can scan this QR code?
All standard NPCI UPI payment applications in India can scan this code, including Google Pay (GPay), PhonePe, Paytm, BHIM, Amazon Pay, CRED, and all mobile banking apps.
Can I leave the payment amount empty?
Yes. If you leave the amount field blank, customers can scan the QR code and enter any custom amount they wish during checkout.
Are there any transaction fees or commission cuts?
Zero transaction fees. SmallSEO generates standard static NPCI UPI protocol deep-link QR codes. Payments go directly from the customer's bank account to yours with zero commission.
Can I embed this UPI QR code into my PDF invoices?
Yes. Download the high-resolution PNG image and insert it directly into your client billing invoices, receipts, or website checkout pages.
Do these UPI QR codes ever expire?
No. These are static QR codes that encode your official UPI address directly. They never expire and will work permanently as long as your UPI VPA ID is active.
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