Free Tool

Free UPI Payment Link & QR Code Generator

A free UPI payment link generator and UPI QR code generator. Enter your UPI ID, name, and an optional amount to get a spec-correct upi://pay link and a printable QR that works in GPay, PhonePe, Paytm, and BHIM.

UPI ID (VPA)

Common handles:

Payee name (pn)

Amount (am, optional)

Note (tn, optional)

0/50

Enter your UPI ID to build the link and QR. Both amount-locked and open-amount codes work in every UPI app; leave the amount blank to let the payer type it.

What the payer sees

Paying

Payee name

name@handle

Payer enters amount

The QR appears once the UPI ID is valid

No signup required

Free forever

GDPR compliant

Quick Answer

A UPI payment link generator builds a upi://pay link from your UPI ID (pa), payee name (pn), and an optional amount (am) and note (tn), following NPCI's UPI linking specification. Tapping the link on a phone opens the payer's UPI app with your details filled in; the same link encoded as a QR works at a counter. The U2L generator runs in your browser. Free, no signup.

Quick Facts

Builds upi://pay?pa=...&pn=...&am=...&cu=INR&tn=... exactly as NPCI's UPI Linking Specification defines it, with every value percent-encoded (spaces as %20, never +).
Amount is optional: leave it blank for an open-amount link where the payer types the sum, or lock it to two decimals (am=250.00) for an invoice or a fixed fee.
Currency is fixed to cu=INR - the only value the specification supports.
Advanced fields expose the merchant category code (mc) and transaction reference (tr) that merchant flows use for reconciliation.
The QR is generated at high contrast on a white background and downloads as PNG or SVG named after your UPI ID, ready to print.
Standard UPI transfers are capped at Rs 1,00,000 per day by NPCI, with lower bank-set limits common; selected merchant categories allow up to Rs 5,00,000 per transaction since September 2025.
A UPI QR or link can only receive money. Any request to scan a code or enter your UPI PIN in order to receive a payment is a scam.

How to generate a UPI payment link and QR code

Enter, check the preview, copy or download.

1
Enter your UPI ID and name
Type your VPA exactly as it appears in your UPI app - for example shop@okaxis or 9876543210@ybl - and the payee name the payer should see. The tool validates the name@handle format.
2
Set an amount and note (optional)
Add an amount to lock the payment to a fixed sum, or leave it blank so the payer enters it. A short note such as Invoice 1042 travels with the payment as tn.
3
Check the preview
The preview card shows what the payer's app displays - name, UPI ID, and amount - and the link updates as you type. Advanced fields for mc and tr are available for merchant integrations.
4
Copy the link or download the QR
Copy the upi://pay link for WhatsApp, email, or an invoice, grab the HTML button snippet for a web page, or download the QR as PNG or SVG for printing. Test it once from a phone before you share it.

What is a UPI Payment Link Generator?

UPI Payment Link Generator is a tool that turns a UPI ID into a payment request you can share as a link or a QR code. It assembles the upi://pay URI defined by NPCI, so a payer tapping the link or scanning the code lands on the pay screen of their own UPI app with your name, UPI ID, and amount already filled in.

Unified Payments Interface is India's real-time bank-to-bank payment system run by the National Payments Corporation of India (NPCI). Every UPI account is addressed by a virtual payment address (VPA) such as name@bank, and any UPI app - Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, WhatsApp, CRED, or a bank's own app - can pay any VPA. That interoperability is what makes a single link or QR usable by every customer regardless of the app they carry.

The upi://pay scheme is the mechanism apps use to hand a payment request to one another. It is a plain URI with query parameters: pa for the payee address, pn for the payee name, am for the amount, cu for the currency, tn for a note, plus merchant fields. Building it by hand invites encoding mistakes - a space in the name, an ampersand in the note, an amount with three decimals - that some apps reject with a misleading error. A UPI link generator produces a link that parses cleanly.

Small businesses, freelancers, tutors, creators, and event organisers use UPI links to collect payments without a payment gateway, a merchant account, or fees. The same link becomes a printed QR at a shop counter, a Pay button on a website, or a message in WhatsApp. This generator also shows the payer-side preview and downloads a clean PNG or SVG, and it stays in your browser: your UPI ID is never sent to U2L.

How does a UPI Payment Link Generator work?

The link follows NPCI's UPI Linking Specification (the common URL specification for deep linking and proximity payments). The scheme and host are fixed - upi://pay - and the request is expressed as query parameters. pa is the payee VPA and is mandatory. pn is the payee name shown to the payer. am is the amount in decimal rupees; the tool normalises it to two decimal places (am=499.00), the format apps parse most reliably. cu is the currency and INR is the only value the specification supports, so the tool always emits cu=INR. tn is a free-text transaction note. Optional merchant fields are mc (the payee merchant category code, passed through as issued), tr (a transaction reference such as an order or bill number, mandatory for merchant transactions), and tid (a PSP-generated transaction id). The specification also defines mam (a minimum amount when partial payment is allowed) and url (a page with further transaction details).

Encoding is where most hand-written links break. Every value is percent-encoded per RFC 3986: a space becomes %20, an ampersand %26, and a plus sign %2B. The specification explicitly requires %20 for spaces rather than the form-style +, because a plus is a literal character in a name. This generator applies encodeURIComponent to each value, which produces exactly that. The parameters are written in the order pa, pn, am, cu, tn, mc, tr, and any field you leave blank is omitted rather than sent empty.

On Android, tapping a upi://pay link fires an intent; the system lists every installed app registered for the upi scheme and the payer picks one, which is why one link serves Google Pay, PhonePe, Paytm, and BHIM alike. On iOS there is no chooser, so the link opens whichever installed app claimed the scheme. Scanning a QR that contains the same string inside a UPI app skips the chooser entirely. In all cases the app parses the parameters, shows the payee name and the verified name from the bank, lets the payer confirm or enter the amount, and asks for the UPI PIN. Nothing about the payee's bank account is exposed in the link - only the VPA.

Apps validate what they receive. A non-numeric am, an am with more than two decimals, or a name broken by an unencoded ampersand can trigger a generic error such as a limit-exceeded or security message even though no limit was hit. Merchant-style payloads carrying mc are expected to carry a unique tr as well, and reusing a reference can be treated as a duplicate. Developers also report that some apps decline amount-locked intent links to personal (non-merchant) VPAs launched from third-party apps while accepting the same payload scanned as a QR; if a fixed-amount link is refused, try an open-amount link or the QR. The QR itself encodes the identical string, so a link that parses correctly produces a QR that scans correctly.

Use Cases

How marketers, businesses, and developers use upi payment link generator.

UPI QR code generator for a shop counter

Print an open-amount QR with your shop name for the till. Customers scan with any UPI app, type the bill amount, and pay from their bank account with no card machine and no MDR - UPI person-to-merchant payments have carried zero merchant discount rate since January 2020. Download the SVG for a crisp A5 or A6 print.

Create a UPI payment link with amount for invoices

Freelancers and agencies paste an amount-locked link at the bottom of an invoice or in the email that delivers it: upi://pay?pa=you@ybl&pn=Studio&am=12500.00&cu=INR&tn=INV-1042. The client taps, confirms, and pays; the tn note lands in both bank statements for reconciliation.

Pay button on a website or landing page

Drop the HTML snippet onto a booking page, a portfolio, or a donation page. On a phone the button opens the payer's UPI app directly; place the QR beside it for desktop visitors, who cannot open upi:// links and need to scan with their phone instead.

Collect fees for tuition and classes

Tutors and coaching centres send one amount-locked link per month with the student name in the note. Parents pay in two taps and the note identifies the payment without a follow-up message. Pair it with /tools/whatsapp-link-generator to pre-fill the reminder message.

Donations for NGOs and community drives

An open-amount QR on a poster or a link in a fundraising message lets donors give any sum. Print the payee name under the code so donors can match it to the name their app displays before entering the PIN.

Event tickets and registrations

Organisers of workshops, runs, and community events share a fixed-amount link with the event name as the note. Add a unique tr per registrant in the Advanced section if your registration system needs to match payments to sign-ups.

Home delivery and cash-on-delivery replacement

Cloud kitchens and local delivery businesses send the payment link with the order total on WhatsApp when the order is confirmed, then hand over the goods once the payment notification arrives. No card reader, no change to carry.

Creator tips and social profiles

Instagram and WhatsApp bios accept only http(s) links, so upi:// cannot go there directly. Post the QR as an image or a highlight, and put the link on a simple web page that the bio links to. Generate a phone QR for calls with /tools/phone-qr-code-generator alongside it.

Verify a UPI QR before you pay or print

Scan any UPI QR with /tools/qr-code-scanner to read the pa, pn, and am fields it actually contains. Use it to check a supplier's code, or to confirm the QR you are about to print encodes your own VPA and not a typo.

UPI Payment Link Generator vs Alternatives

Side-by-side feature and pricing comparison with the top alternatives.

Feature	upilink.in	labnol.org UPI	QRCodeChimp UPI
Free, no signup	Varies		Free tier
Outputs the raw upi://pay link	Varies		Varies
Open-amount and fixed-amount modes
Merchant fields (mc, tr)	Varies	Varies	Varies
Explains the NPCI parameters		Varies
Payer-screen preview	Varies	Varies	Varies
PNG and SVG download	Varies	PNG	Varies
Runs in the browser, nothing stored	Varies

UPI Payment Link Generator vs A payment gateway link (Razorpay, Cashfree, PayU)

Gateway payment links are hosted pages that accept UPI, cards, net banking, and wallets, send receipts, retry failed payments, and post webhooks to your system. For an online business with order management, refunds, and accounting integration, a gateway is the right tool and its fees pay for that plumbing.

A raw UPI link has none of that infrastructure, and that is the point: no onboarding, no KYC beyond your bank's UPI registration, no per-transaction fee, and settlement straight into your account in seconds. For a kirana, a tutor, a stall, or an invoice to a known client, the plain link or QR does the job.

UPI Payment Link Generator vs Your bank or UPI app's own QR

Google Pay, PhonePe, Paytm, and most bank apps let you display or download a QR for your VPA, and merchant programmes such as PhonePe for Business and Paytm Soundbox add audio confirmation and a merchant dashboard. If you already use one of those, its QR is fine to print.

The app-generated code is open-amount and unbranded, and you cannot change the note or lock an amount. This generator gives you fixed-amount codes per product or invoice, a clean SVG for print, the shareable link, and the HTML button - and works for any VPA from any bank, including ones whose app has no QR export.

Best Practices

Copy the VPA from your app, never retype it

A single wrong character sends the payer to a different account or to an invalid address error. Open your UPI app, copy the UPI ID from the profile screen, and paste it. Then pay yourself Rs 1 from another phone to confirm the name your bank returns matches what you expect.

Use the payee name your bank has on file

The payer's app shows both the pn you supply and the verified name from the bank. If your pn says Sharma Traders and the bank says Rajesh Sharma, careful payers hesitate. Use the registered name, or a merchant VPA whose bank name matches the brand.

Lock the amount for invoices, leave it open at the counter

A fixed am prevents underpayment and typos on a bill. An open amount suits a shop till and donations where the sum varies. Both are valid links; only the payer's screen differs - editable amount versus confirm.

Keep the note short and specific

tn appears on the payment screen and in bank statements. Invoice 1042 or Table 7 is useful; a sentence is not. Keep it under 50 characters so it fits on the payment screen without truncation, and avoid characters like & and # that need encoding.

Print at 3 cm or larger with the name underneath

A counter QR is scanned from 20 to 40 cm away, so print it at least 3 x 3 cm - larger for a wall. Print the payee name beside the code so customers can match it to what their app shows, and laminate it; a scuffed code still scans but a faded one may not.

Test on two different apps before sharing

Scan the QR and tap the link from a phone with Google Pay and another with PhonePe or Paytm. Confirm the name, amount, and note appear correctly, and complete a Rs 1 payment. Apps differ slightly in how they parse edge cases, and a test costs a rupee.

Use a unique tr for merchant reconciliation

If you process many payments a day, generate a link per order with tr set to the order number. Your bank statement or merchant dashboard then shows the reference against each credit, and duplicate payments are easy to spot. Keep references unique per attempt.

Share the QR image where links are not clickable

Instagram bios, most printed material, and some chat apps do not open upi:// links. Share the PNG in those places, and reserve the link for WhatsApp messages, email, SMS, and web pages where a tap can hand off to the app.

Common Mistakes to Avoid

Building the link by hand with a space in the name

upi://pay?pa=x@ybl&pn=Sharma Traders breaks at the space in some apps. The name must be percent-encoded as Sharma%20Traders. The generator encodes every value for you.

Sending an amount with three decimals or a comma

am=1,250 or am=99.999 fails to parse and can surface as a limit or security error. Use plain digits with at most two decimals: am=1250.00.

Sharing a QR to receive money when asked to scan one

Scanning a QR or entering your PIN pays; it never receives. Anyone who says you must scan their code or approve a request to get paid is running the scan-to-receive scam.

Expecting the link to work on a desktop

upi:// opens a phone app. On a laptop the link does nothing or shows a protocol error. Put the QR next to the button so desktop visitors can scan it with their phone.

Reusing one tr across many payments

Merchant references must be unique per transaction. A repeated tr can be treated as a duplicate and refused. Generate a fresh reference per order, or leave tr blank for personal collections.

Trying to shorten a upi:// link

A short link adds an http redirect in front of the app hand-off, which many apps and browsers refuse to follow into upi://. Share the raw link, and use a short link only for a web page that hosts the button and QR.

Technical Specifications

Scheme	upi://pay (NPCI UPI Linking Specification, common URL for deep linking and proximity payments)
Parameters	pa (mandatory), pn, am, cu=INR, tn; advanced: mc, tr; spec also defines tid, mam, url
VPA format	handle@provider - 2 to 256 characters of letters, digits, dot, underscore, hyphen, then @ and 2 to 64 letters
Amount	Decimal rupees, normalised to two places; must be greater than 0
Encoding	encodeURIComponent on every value; spaces as %20 per RFC 3986
QR	qr-code-styling, black on #ffffff, error correction M; PNG or SVG named upi-qr-<vpa>
Outputs	upi://pay link, QR image, HTML anchor snippet, payer preview
Limits (NPCI)	Rs 1,00,000 per day standard; up to Rs 5,00,000 per transaction for specified merchant categories; banks may set lower caps
Privacy	Built in your browser. Your UPI ID is never sent to U2L.

Industry-Specific Use Cases

Kirana and local retail

An open-amount QR at the counter replaces cash handling for small baskets. Print it large, add the shop name, and keep a second copy at the door for queue payments. Zero MDR means the full amount lands in the account.

Cafes and food stalls

Fixed-amount codes per menu item or combo speed up busy counters - customers scan the Rs 120 code and confirm. Regenerate codes when prices change; static codes cannot be edited after printing.

Freelancers and consultants

Send an amount-locked link with the invoice number in the note. Clients pay from any app in seconds, and the note shows in your statement for bookkeeping. Add tr if you match payments programmatically.

Tutors and coaching centres

One link per student per month, note set to the student name and month. Share it on WhatsApp with a pre-filled reminder built with /tools/whatsapp-link-generator; parents pay in two taps.

Frequently Asked Questions

What is a UPI payment link generator?

It is a tool that builds a upi://pay link from your UPI ID, payee name, and optional amount and note, following NPCI's linking specification. Tapping the link on a phone opens the payer's UPI app with your details pre-filled; the same string encoded as a QR works at a counter.

How do I generate a UPI payment link with an amount?

Enter your UPI ID and name, type the amount, and add a note if you want one. The link gains am=<amount>.00 and cu=INR, so the payer's app shows the sum as fixed. Leave the amount blank for an open-amount link instead.

Is the UPI payment link generator free?

Yes. No signup, no watermark, no limit on how many links or QR codes you create. UPI itself charges no fee to the payer, and merchant UPI payments carry zero MDR.

Is my UPI ID uploaded or stored?

No. The link and QR are built with JavaScript in your browser. Nothing is sent to U2L, and nothing is stored when you close the page.

Does the link work with Google Pay, PhonePe, and Paytm?

Yes. upi://pay is the common scheme every NPCI-certified UPI app handles, including Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, WhatsApp, CRED, and bank apps. On Android the payer chooses the app; on iOS the installed app that claimed the scheme opens.

Why does the link do nothing on my laptop?

upi:// is a mobile app scheme. A desktop has no app registered for it, so the link is ignored or shows a protocol error. Use the QR on desktop pages so visitors scan it with their phone.

Why does an app say limit exceeded or payment not allowed for my link?

Most often the payload is malformed: an amount with more than two decimals, an unencoded space or ampersand, or a merchant code without a unique reference. Regenerate the link here. If a fixed-amount link is still refused, try the open-amount version or the QR.

Why does the payer see a different name from the one I entered?

Apps display the pn you set and the account-holder name returned by your bank. Both appear so the payer can spot mismatches. Use your registered name, or a merchant VPA whose bank name matches your brand.

What is the difference between a static and a dynamic UPI QR?

A static QR encodes a fixed VPA, usually with an open amount, and is printed once. A dynamic QR is generated per transaction with the amount and a reference, typically by a billing system or soundbox device. This tool creates static codes, with or without a locked amount.

What are the UPI transaction limits?

NPCI caps standard UPI transfers at Rs 1,00,000 per day; banks often set lower per-transaction limits and new users face temporary caps. Since September 2025, specified merchant categories such as insurance, capital markets, and travel allow up to Rs 5,00,000 per transaction and Rs 10,00,000 per day.

Can I generate a UPI QR code from a bank account number instead of a UPI ID?

The specification supports account@ifsc-style addresses, but several apps flag them as high risk or refuse them. Create a VPA in any UPI app - it takes a minute - and use that instead; it works everywhere.

Is it safe to share my UPI QR or link publicly?

Yes. A QR or link can only send money to you; it cannot pull money from your account. The risks run the other way: never scan a QR, enter your PIN, or approve a collect request in order to receive a payment.

Can I shorten the UPI link with a URL shortener?

Keep the raw link. A shortener puts an http redirect before the app hand-off, and many apps will not follow it into upi://. Shorten only a web page that hosts your button and QR, and share that page's link.

How do I put a UPI link in my Instagram or WhatsApp bio?

Bios accept only http(s) links, so post the QR as an image or story highlight, and link the bio to a simple page that carries the Pay button. In WhatsApp messages, send the link text or the QR image directly.

UPI link vs a payment gateway link - which should I use?

Use a gateway when you need receipts, retries, refunds, cards, and webhooks. Use a raw UPI link or QR when you want zero fees, no onboarding, and instant settlement for a shop, a tutor, or a known client.

What are UPI Lite and UPI 123PAY?

UPI Lite is an on-device balance for small payments without a PIN, up to Rs 1,000 per transaction and Rs 5,000 stored. UPI 123PAY lets feature-phone users pay without internet via IVR or missed call, up to Rs 10,000 per transaction. Both can pay a standard UPI QR.

Does UPI work outside India?

Indian UPI apps with international payments enabled can scan merchant QRs in countries connected through NPCI International, including Singapore, the UAE, France, Sri Lanka, Mauritius, Nepal, and Bhutan. Links generated here use cu=INR and are for payments into Indian accounts.

How large should I print a UPI QR code?

At least 3 x 3 cm for a counter scanned at arm's length, and larger for walls or windows - roughly one tenth of the scanning distance. Download the SVG for print so the code stays sharp at any size, and keep a white margin around it.

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Key Terms

VPA (UPI ID): Virtual Payment Address, the name@provider identifier that routes a UPI payment to a bank account without exposing the account number.
upi://pay: The URI scheme defined by NPCI for handing a payment request to a UPI app. Parameters such as pa, pn, am, cu, and tn describe the payee and amount.
Collect request: A request sent by a payee that asks the payer to approve a debit inside their app. Unlike a link or QR, it needs the payer's approval and is a common scam vector.
MCC (mc): The merchant category code carried in the mc parameter, identifying the merchant's line of business for merchant transactions.
Static QR: A printed QR that encodes a fixed VPA and optionally a fixed amount. It never expires but cannot be edited after printing.
Zero MDR: The policy, in force since January 2020, under which merchants pay no merchant discount rate on UPI payments.

Put your Pay button on a page people can find

A UPI link belongs on a web page with your QR, your details, and a clear call to action. Create a U2L short link or bio page for it, share one memorable URL on WhatsApp and Instagram, and see how many people opened it.