How to Create a UPI QR Code for Your Shop or Business (Free)

Every shop counter in India now has a QR code taped next to the till. You don't need to register with a payment company or pay a monthly fee to get one — if you have a UPI ID, you can make your own scannable payment QR in under a minute.

What you need

Just your UPI ID (also called a VPA) — something like yourname@okhdfcbank or 9876543210@ybl. You already have one if you use any UPI app. That's it; no bank visit, no paperwork.

Make the QR code

Open the free UPI QR code generator, enter your UPI ID and your name (or shop name), leave the amount blank for a general "scan and pay any amount" code, and download the PNG. For invoices or fixed fees, enter an amount to lock it in so customers can't mistype.

How it actually works

The QR encodes a standard upi://pay link — exactly the format the big payment apps use. Money flows directly from the customer's UPI app to your bank account; nothing passes through any website. The tool simply builds the code in your browser, so your UPI ID isn't stored anywhere.

Before you print it

Test first: open Paytm or PhonePe, use their in-app Scan button (not your phone camera or Google Lens — those show UPI links as plain text by design), and confirm the payment screen opens with your name. Send yourself ₹1 to be sure. Then print at least 3×3 cm, keep the white border around the code, and add your name in text below it so customers can verify before paying.

One safety rule

Receiving money via UPI never requires you to enter your PIN. If anyone tells you to "scan this and enter your UPI PIN to receive payment," it's a scam — your QR is only for collecting, never for paying out.

Pair it with the WhatsApp QR code on the same printout — one to pay, one to chat for orders.