0% fees Free UPI QR code generator

Free UPI QR code & payment link generator

Generate a UPI QR code or payment link from any UPI ID (VPA) or bank account. Download, share, and print — works with Google Pay, PhonePe, Paytm, BHIM and every UPI app. No signup. Runs in your browser.

e.g. name@paytm, 9876543210@ybl
Blank shows your verified bank name in the payer's app

NPCI requires extra confirmation for payments above ₹2,000 to a new payee. This is a security rule, not an error.

Your QR will appear here

Enter payment details to generate

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

Works with every UPI app

One UPI QR code scans on Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, CRED, WhatsApp Pay and every NPCI-compliant app.

How to generate a UPI QR code online

  1. Enter your UPI ID or bank account — use your VPA like yourname@okhdfc, 9876543210@paytm, or account number + IFSC.
  2. Add optional amount or note — lock a fixed amount into the QR for invoices, rent, or shop payments.
  3. Download or share the QR — get a professional QR card PNG, copy the UPI payment link, or share via WhatsApp.

Why use this free UPI QR code generator

UPI ID & bank account QR

Generate QR codes from any UPI ID (VPA) or bank account number with IFSC — India's two standard payee formats.

UPI payment link generator

Get a shareable upi://pay link alongside the QR — perfect for WhatsApp, SMS, email and invoices.

Fixed amount UPI QR

Create a UPI QR code with amount pre-filled so payers can't mistype — ideal for shops, freelancers and donations.

Download & share QR cards

Download a print-ready UPI QR poster with your payee details, or share directly from your phone.

0% fees, no signup

No merchant account, aggregator or KYC needed. 0% MDR — money goes straight to your linked bank account.

NPCI-compliant & private

Follows NPCI's UPI URL spec. Everything runs locally in your browser — nothing is stored or uploaded.

Popular UPI QR code use cases

  • Shop & kirana counter — print a UPI QR standee for Google Pay, PhonePe and Paytm payments
  • Freelancer & consultant — send a payment link or QR card to clients with a fixed amount
  • Rent & tuition fees — UPI QR code with amount locked for monthly collections
  • Donations & events — share a scannable UPI QR on posters, WhatsApp groups and social media
  • Without UPI merchant QR — accept UPI payments using your personal or business UPI ID

Frequently asked questions

How do I generate a UPI QR code for free?

Enter your UPI ID in the generator above (e.g. yourname@okaxis) or switch to Bank Account and enter your account number and IFSC. Your QR code and payment link appear instantly. Download the PNG or share it anywhere — completely free, no account needed.

What is a UPI ID (VPA)?

A UPI ID — also called a Virtual Payment Address (VPA) — is your unique UPI handle like name@paytm, 9876543210@ybl, or shop@okicici. Every bank assigns one when you set up UPI. It's safer and easier than sharing your bank account number.

Can I create a UPI QR code with a fixed amount?

Yes. Enter any amount in the Amount (₹) field and the QR will pre-fill that amount in the payer's UPI app. Leave it blank if you want the payer to enter the amount themselves — useful for shop counters.

Can I generate a QR code from a bank account without a UPI ID?

Yes — use the Bank Account tab with your account number and IFSC code. Note that PhonePe and Paytm often block bank-account QRs for security. A UPI ID is more reliable across all apps.

Will the QR code work with Google Pay, PhonePe, Paytm and BHIM?

Yes. This tool generates NPCI-compliant UPI QR codes that work with Google Pay (GPay), PhonePe, Paytm, BHIM, Amazon Pay, CRED, WhatsApp Pay, MobiKwik and every UPI app in India.

What's the difference between a UPI QR code and a UPI payment link?

A UPI QR code is a scannable image — the payer opens any UPI app and scans it. A UPI payment link is a URL (upi://pay?pa=…) you can paste in WhatsApp or email. This generator creates both at once.

Why does my UPI app show a security warning?

Common reasons: payee name mismatch (fix: leave the name field blank), first-time payee above ₹2,000 (normal NPCI rule), or bank-account QR blocked by PhonePe/Paytm (fix: use a UPI ID instead).

Is this UPI QR generator free? Are there any fees?

Yes — 100% free forever. No signup, no aggregator, 0% MDR, no transaction fees. QR generation runs locally in your browser and no payment data is stored.