Free UPI QR Code Generator: Create Your Payment QR in 30 Seconds (No App Needed)
Stop dictating your UPI ID to customers. Generate unlimited payment QR codes instantly - works with PhonePe, Google Pay, Paytm & all 300+ UPI apps
🔲 Generate Your Free UPI QR Code Now
Enter your UPI ID below → Get instant QR code → Download & share. No registration, no login, 100% free forever.
Your data stays in your browser. We never store your UPI ID or generated QR codes.
Why Do You Need a UPI QR Code? 5 Frustrating Problems It Solves
Before we explain how to create QR codes, let's understand why 8.7 crore Indian merchants and millions of individuals now use UPI QR codes instead of sharing their UPI ID directly. If you've faced any of these problems, a QR code is your solution:
Problem 1: "My UPI ID is Too Long and Confusing"
Your UPI ID is rajeshkumar1987delhi@okaxis. You dictate it 10 times daily to customers. They mishear "1987" as "1997", or type "okaxis" as "okaxls". Failed payment. You repeat again. Each wrong attempt = 2-3 minutes wasted. With QR code? One scan. Zero mistakes. 10 seconds done.
Problem 2: "I Don't Want to Share My Personal Number"
Many customers ask for your mobile number to pay via UPI. But sharing your phone number means: marketing calls, spam messages, privacy concerns. QR code hides your personal details - customer sees only your name and pays. Your privacy stays protected while receiving payments.
Problem 3: "Checkout Takes Too Long at My Shop"
Rush hour at your store. 5 customers waiting. You're spelling out your UPI ID to one customer while others get impatient. Average spelling time: 45-60 seconds per customer. With printed QR code on counter? Customer scans instantly. Checkout in 10 seconds. Serve 4x more customers in peak hours.
Problem 4: "Customers Pay Wrong Person Due to Typos"
Horror story: Customer typed your UPI ID wrong (extra letter, wrong number). Money went to someone else. They can't get refund easily. You don't get paid. Customer blames you. ₹5,000-50,000 lost in such cases. QR code = no typing = no mistakes = 100% accurate payments.
Problem 5: "I Need Professional Payment Method for Freelancing"
You're a freelancer. Client asks: "How to pay you?" Saying "send to ramesh87@ybl" feels unprofessional. But a branded QR code with your name and business logo? That's professional. Include it in invoices, email signatures, visiting cards. Clients trust you more.
93%
Faster checkout with QR vs manual entry
0
Payment errors with QR scanning
8.7Cr+
Merchants using UPI QR in India
300+
UPI apps support QR scanning
Real Story: How Ramesh's Chai Shop Increased Daily Sales by ₹3,000
Ramesh runs a chai stall in Mumbai. Before QR: customers asked for UPI ID, he spelled it 50 times daily, 3-4 payments failed due to typos, checkout took 1 minute per customer. After printing QR code on his stall: Zero spelling required, zero failed payments, checkout in 10 seconds. Result? He serves 30 more customers daily. At ₹100 average order = ₹3,000 extra daily revenue. Investment? One ₹5 printout. ROI? Infinite.
What Are the 7 Types of UPI QR Codes? Which One Do You Need?
Not all QR codes are same. Choosing wrong type = problems later. Here's a complete breakdown of 7 types of UPI QR codes so you pick the right one for your exact need:
Type 1: Static QR Code (Most Common - For Personal Use)
What it is: A fixed QR code linked to your UPI ID. Customer scans → enters amount themselves → pays you. Amount is not pre-filled.
Best for: Personal payments (friends/family), small shops, freelancers, receiving one-time payments.
Limitation: Customer must type amount manually. For ₹1,50,000 payment, customer might accidentally type ₹15,000 (missing zero).
Type 2: Dynamic QR Code (For Businesses - Amount Pre-Filled)
What it is: QR code generated for each transaction with specific amount pre-filled. Customer scans → sees exact amount → confirms → pays.
Best for: Restaurants (bill-specific QR), e-commerce (order-specific QR), invoices.
Advantage: Zero chance of wrong amount. Perfect for high-value transactions.
Type 3: Branded QR Code (Professional Look)
What it is: Your QR code with business name, logo, and custom colors embedded.
Best for: Brand-conscious businesses, printed marketing materials, visiting cards.
Types 4-7: Specialized QR Codes
- Type 4: Multi-Bank QR - Works with all banks (BharatQR standard). Required for interoperability.
- Type 5: Subscription QR - For recurring payments (gym, subscription boxes). Links to UPI AutoPay mandate.
- Type 6: Collect Request QR - You scan customer's QR and request money (reverse flow). Rare use case.
- Type 7: Intent QR - Opens specific UPI app directly. Used for deep linking in apps.
Which Type Should You Choose? Quick Decision Guide
Personal use (receiving from friends/family): Static QR (Type 1)
Small shop (kirana, chai stall, street vendor): Static QR (Type 1) - print and paste
Restaurant/Cafe (bill-wise payment): Dynamic QR (Type 2) - generate per bill
Freelancer/Professional: Branded Static QR (Type 3) - include in invoice
E-commerce/Online business: Dynamic QR via payment gateway (Type 2)
Our free tool above generates Type 1 (Static) QR codes - perfect for 90% of users.
How to Create UPI QR Code in 4 Simple Steps (Under 30 Seconds)
Whether you use our free tool above or any UPI app, here's the universal process. No technical knowledge required. If you can type your UPI ID, you can create a QR code.
Find Your UPI ID (5 Seconds)
Open your UPI app (PhonePe, GPay, Paytm). Go to Profile or Settings. Your UPI ID looks like: yourname@okaxis, 9876543210@paytm, or yourname.sbi@sbi. Copy it exactly - one wrong letter means payment goes elsewhere. Don't know your UPI ID? Check our UPI Guide for step-by-step instructions.
Enter UPI ID in Generator (10 Seconds)
Scroll up to our free tool. Paste your UPI ID in the input field. Double-check for typos (common mistakes: extra spaces, wrong bank handle). Add your name (optional but recommended - shows on QR code so payer sees "Pay to Rajesh Kumar"). Click "Generate QR Code".
Test Your QR Code (10 Seconds)
Critical step - don't skip! Open any UPI app on another phone (or ask a friend). Scan your generated QR code. Verify: Does it show YOUR name? Is the UPI ID correct? Try a ₹1 test payment. If ₹1 reaches your account, QR code is working perfectly. Never share untested QR codes - one typo can lose you money forever.
Download & Share (5 Seconds)
Click "Download PNG" for digital sharing (WhatsApp, email, website) or "Download PDF" for printing. For shop counter: Print on A5 size, laminate for durability. For invoices: Insert PNG image. For visiting cards: Resize to small. Your QR code is now ready to receive unlimited payments!
Alternative Method: How to Generate QR Code from UPI Apps Directly?
Don't want to use web tools? Here's how to get your QR code from popular UPI apps:
Method A: PhonePe QR Code (3 Steps)
- Open PhonePe → Tap your profile photo (top-left)
- Scroll to "Your QR Code" section
- Tap "Share" to send or "Download" to save
Method B: Google Pay QR Code (4 Steps)
- Open Google Pay → Tap your photo (top-right)
- Select "QR Code" option
- Your QR code appears on screen
- Screenshot or tap "Download"
Method C: Paytm QR Code (3 Steps)
- Open Paytm → Tap "Receive Money" on home screen
- Your payment QR code displays instantly
- Save, share, or set amount
Why Our Web Tool is Better Than App-Generated QR Codes?
App QR codes work, but our tool offers 3 advantages: (1) Universal compatibility - works even if customer doesn't have your app installed (2) Higher resolution - prints clearly on any size (3) No app required - generate from any browser, even on computer. App QR codes are locked to that app's format. Our tool creates standard UPI QR that works everywhere.
12 Smart Ways to Use Your UPI QR Code (Beyond Just "Receive Money")
Most people create QR code and paste it at one place. But smart users leverage it across 12 different scenarios to maximize collections and convenience. Here's how:
1. Shop Counter Display
Where: Print A4/A5 size, laminate, place at billing counter facing customers. Pro tip: Add "Scan & Pay" text in local language. Works for any retail: grocery, pharmacy, clothing, electronics.
2. Restaurant Table Tents
Where: Print on tent cards (standing display) for each table. Customer scans after meal, enters bill amount, pays. Result: No waiting for waiter to bring card machine. Faster table turnover.
3. Visiting Cards
Where: Print small QR on back of business cards. Perfect for: Freelancers, consultants, doctors, lawyers. Client meets you → Takes card → Scans QR → Pays advance/consultation fee. No "send me your bank details" conversation.
4. Email Signature
Where: Add QR image to your email signature. Best for: Freelancers sending invoices via email. Client receives invoice → Scrolls to signature → Scans QR → Pays immediately. No copy-pasting bank details.
5. Invoice PDFs
Where: Embed QR code in invoice template. Game changer: Average invoice payment time drops from 15 days to 2 days. Client opens PDF → Sees QR → Scans → Pays in 30 seconds. Cash flow dramatically improves.
6. WhatsApp Business Profile
Where: Set QR image as catalog item or quick reply. Customer messages "How to pay?" → You send QR image → They pay instantly. Perfect for: Home bakers, craft sellers, small online businesses.
7. Product Packaging
Where: Print on product labels (if COD business). Customer receives product → Scans QR on box → Pays COD amount. Benefit: No cash handling, instant payment confirmation, return fraud reduced.
8. Vehicle Stickers (Taxi/Auto)
Where: Stick QR inside auto/taxi/cab where passenger sits. Reality: Many passengers don't carry cash. They see QR → Scan → Pay fare. No "I don't have change" problem. No "let me find ATM" delays.
9. Event Booths & Stalls
Where: Display at exhibitions, melas, pop-up shops. Temporary setup = no time to set up card machines. QR code works instantly. Print large (A3) so crowds can scan from distance.
10. Rent Collection (Landlords)
Where: Send QR to tenants. Monthly routine: Tenant receives rent reminder → Scans QR → Pays rent. No waiting for cheques, no cash handling, instant confirmation. Works for multiple tenants with same QR.
11. Tuition/Class Fee Collection
Where: Share with parents via WhatsApp group. Monthly fee collection: Parents scan → Pay ₹2,000 fee → Done. No chasing, no "will pay next week", no cash counting. Teacher tracks who paid via bank statement.
12. Charity & Donation Drives
Where: Display at temples, NGO counters, crowdfunding posters. Advantage: Impulse donations! Someone wants to donate ₹100 but has no cash. QR code = they donate immediately. Studies show digital donation increases collection by 40%.
Pro Strategy: Create Multiple QR Codes for Different Purposes
If you have multiple bank accounts or UPI IDs, create separate QR codes for each purpose: (1) Personal expenses QR → Family payments (2) Business QR → Customer payments (3) Savings account QR → Investment transfers. This helps track money flow and simplifies accounting. Our free tool lets you generate unlimited QR codes!
Static vs Dynamic QR Code: Which Saves You More Money?
This is the most confusing decision for business owners. Here's a clear breakdown so you don't waste money on unnecessary features or miss out on important ones:
Static QR Code
Fixed QR - same code forever
Customer enters amount manually
100% FREE - no monthly charges
Cannot track individual payments
Cannot add product description
Best for: Small shops, personal use
Dynamic QR Code
New QR for each transaction
Amount pre-filled (no errors)
Usually ₹500-2,000/month cost
Track each payment with order ID
Add invoice number, description
Best for: Restaurants, e-commerce
When Should You Upgrade to Dynamic QR? 5 Clear Signals
- Signal 1: You process 50+ transactions daily and need automatic reconciliation (matching payments to orders)
- Signal 2: Your average transaction is ₹5,000+ and amount errors are costing you money
- Signal 3: You need integration with billing software (POS, accounting systems)
- Signal 4: You want detailed analytics (hourly sales, peak times, repeat customers)
- Signal 5: You run an e-commerce website and need order-specific payment tracking
If none of these apply to you: Static QR code is perfect. Don't pay for features you don't need. Our free tool generates static QR codes that work for 90% of use cases.
Cost Comparison: How Much Does Dynamic QR Really Cost?
Dynamic QR services from payment providers typically charge:
- Razorpay: 0% for UPI, but ₹2,000/month for dashboard access with dynamic QR features
- PayU: Similar pricing, varies by volume
- Paytm for Business: Free QR but 0.4% fee on transactions above ₹2 lakh monthly
- PhonePe Business: Free static QR, dynamic requires partnership
Bottom line: If your monthly UPI collection is under ₹2-3 lakhs, static QR is almost always the right choice. Above that, evaluate dynamic QR for automation benefits.
8 Most-Asked Questions About UPI QR Codes (With Expert Answers)
Before you generate your QR code, let's clear all doubts. These are questions we receive from thousands of users every month:
(1) Too small: QR should be minimum 2cm x 2cm for close scanning, larger for distance
(2) Low contrast: Black QR on white background works best. Avoid colorful backgrounds
(3) Damaged/faded: Reprint if lamination is scratched or print is faded
(4) Wrong format: Some downloaded QR images get compressed. Use PNG format, not JPEG
(5) Screen glare: If showing on screen, adjust brightness and angle. Matte screens work better.