What is a UPI QR code?
UPI (Unified Payments Interface) is India’s instant payment system, processing over ten billion transactions a month. A UPI QR encodes a upi:// payment link with your Virtual Payment Address (VPA, e.g. name@bank), so any UPI app — Google Pay, PhonePe, Paytm, BHIM — can scan it and pay you directly.
How do I get an official UPI QR?
Every UPI app shows a personal receive QR under "Receive" or "My QR" — free and instant. Merchants get a printed QR standee by registering as a business with any UPI app or their bank; merchant QRs settle to a current account and support unlimited receiving.
Can a generic generator create a UPI QR?
Technically the static format is documented (upi://pay?pa=VPA&pn=Name), so a URL-type QR with a upi:// link can work for simple person-to-person payments. For business use, always take the QR issued by your UPI provider — it is verified, shows your trading name to payers, and avoids typos in the VPA that would send money elsewhere.
Need a general-purpose code instead? Use the free QR code generator — it runs entirely in your browser.