Every UPI QR code you've ever scanned at a shop counter — whether it opened Google Pay, PhonePe, Paytm, or any other UPI app — is built on the same open, publicly documented link format, regulated by India's National Payments Corporation of India (NPCI). You don't need a merchant account, a payment gateway, or approval from any specific app to generate one. If you have a UPI ID (the yourname@bank handle you already use to receive payments), you can generate a working payment QR code for it directly.
What's Encoded
A UPI QR code contains a deep link in this form:
upi://pay?pa=yourname@upi&pn=Your Name&am=100&cu=INRpa is your UPI payment address, pn is the payee name shown to the payer, am is an optional fixed amount, and cu is the currency (always INR for UPI). When any UPI-enabled app scans this, it recognizes the upi:// scheme and opens directly into its own payment confirmation screen — pre-filled with your UPI ID and, if you set one, the amount.
Fixed Amount vs Open Amount
Leave the amount field blank for a general "pay me" code — like the ones businesses tape to a counter — where the payer types in whatever amount they owe. Set a fixed amount when the price is always the same, such as a specific product, a membership fee, or a single event ticket, so the payer doesn't have to type anything at all, just confirm.
Generating One on ILoveConvert
- Go to the QR Code Generator and select "UPI Pay"
- Enter your UPI ID exactly as it appears in your banking app (e.g.
9876543210@ybloryourname@okhdfcbank) - Enter the name you want shown to whoever scans it
- Optionally set a fixed amount, or leave it blank for the payer to enter their own
- Download and print, or display on a screen at checkout
Before You Rely On It For Business
| Check | Why it matters |
|---|---|
| Scan it yourself first with 2-3 different UPI apps | Confirms your UPI ID is typed correctly and the code actually opens a real payment screen, not an error |
| Verify the payee name matches your registered bank name | Some apps flag a mismatch as suspicious, which can make a genuine payer hesitate |
| Don't use this for anything needing invoices or reconciliation at scale | This generates a plain payment link, not a merchant transaction record — for that, your bank's own UPI QR (linked to a current account) is the right tool |
Your UPI ID and name are used only to build the QR code's pixel pattern in your browser — nothing is transmitted to or stored on our servers, and we're not a party to any payment made through a code you generate here.