UPI QR Code Generator

What is a UPI QR code

A UPI QR code is a scannable image that holds your payment details, such as your UPI ID (VPA), your display name and an optional amount. When someone opens any UPI app like Google Pay, PhonePe, Paytm or BHIM and uses scan and pay, the app reads the code and fills in the payee details automatically, so the customer only has to confirm and pay.

In India this scan and pay QR is everywhere. Small shops, kirana stores, cab drivers, tuition teachers, freelancers, event stalls and home based sellers all use a payment QR code because it is instant, works across every UPI app and needs no card machine. A single static QR can accept payments from any customer, on any bank, at any time.

This UPI QR generator is built for people who want a neat, printable QR for their counter, invoice, packaging or a shared PDF, along with a saved copy for their own records.

What a professional UPI QR code format includes

• A valid UPI ID or VPA in the form name@bank, for example rahul@okhdfcbank or store@ybl.
• The payee name, which is the business or person shown to the customer when they scan.
• An optional fixed amount, useful for a set price, or left blank so the customer enters the amount.
• An optional note or reference such as an order number or invoice number.
• A clear, high contrast QR image that scans reliably even when printed small.
• Your business name, logo and contact details around the code for a professional look.
• A GSTIN and address if you are a registered business issuing this alongside an invoice.

How to create a UPI QR code online

• Open the UPI QR code generator and enter your UPI ID exactly as it appears in your payment app.
• Add your payee or business name so customers recognise you when they scan and pay.
• Enter a fixed amount if you want, or leave it blank to let the customer type the amount.
• Add an optional note, order reference or invoice number for cleaner record keeping.
• Add your logo, address and GSTIN if you want to attach the QR to a bill or receipt.
• Watch the live preview update as you type and check that the details read correctly.
• Scan the preview once with your own UPI app to confirm the payee and details are right.
• Download the clean PDF. Remove the preview watermark with a small one-time charge, then print or share it.

Why building a UPI QR code in Word or Excel never really works

People keep searching for a "upi qr code format in word" or "in excel", but neither app can actually turn your VPA into a scannable code. A blank template only gives you a table where you type your UPI ID, payee name, amount and a note, then you are stuck hunting for a free QR add-in, pasting a blurry image and hoping any UPI app reads it. Our tool encodes the real upi:// payment string for you, locks in the merchant name and amount, and renders a crisp, GPay, PhonePe and Paytm friendly QR that you download as a clean PDF ready to print and stick on the counter.

GST and tax treatment when a QR sits on your bill

A UPI QR code itself is only a way to collect money, so it does not create any tax on its own. The tax depends entirely on the invoice or bill it is attached to. If you are a GST registered business, your invoice, not the QR, must carry the correct tax lines.

Get the tax on the underlying bill right. For a GST invoice, a sale within the same state carries CGST plus SGST, while an inter state sale carries IGST. Restaurant service is usually billed at 5 percent GST. Hotel room tariffs are 12 percent up to 7500 rupees per night and 18 percent above 7500. Petrol and diesel sit outside GST, so a fuel or petrol bill shows no GST line at all. Residential rent has no GST.

So when you attach a scan and pay QR to a bill, make sure the amount the customer pays matches the invoice total including the right tax, and that the QR is not adding or hiding any tax by itself.

Using a payment QR for reimbursement or records

If you pay a vendor, a driver or a supplier through a UPI QR and need to claim that spend back from your company or account for it at tax time, keep the supporting bill or receipt alongside proof of the UPI payment. The QR shows how the payment was made, but your reimbursement claim rests on the actual invoice and the transaction reference from your UPI app.

This tool helps you keep clean records by letting you save the QR and the associated bill as tidy PDFs in one place. If you ever need to recreate a lost bill for a genuine expense you really incurred, do it only to restore an accurate record of a real transaction, never to invent or inflate a claim.

For any reimbursement, match the QR, the bill total and the UPI reference number so your finance team or accountant can verify everything cleanly.

Static vs dynamic UPI QR codes

A static UPI QR code carries only your fixed details, mainly your UPI ID (VPA) and name, so the payer scans it and types the amount themselves. It suits a small shop counter, a rent receipt, or a personal collection where the sum changes each time. A dynamic UPI QR code has the amount and a note already built in, so the payer just confirms and pays, which cuts wrong-amount errors on invoices and reimbursement claims. For record keeping, a dynamic QR tied to a specific bill amount makes it easier to match a payment against that invoice later. Our generator lets you create either by choosing whether to fix the amount.

The upi://pay link behind your QR code

• Every UPI QR simply encodes a text link that begins with upi://pay?
• pa is the payee address, your UPI ID or VPA, for example name@okaxis
• pn is the payee name shown on the payer's app before they confirm
• am is the amount in rupees; leave it blank for a static QR
• cu is the currency and is always INR for UPI in India
• tn is an optional transaction note, useful for an invoice or bill number
• Because the QR is just this link, the same code opens in Google Pay, PhonePe, Paytm and every BHIM UPI app.

UPI limits worth knowing before you share a QR

A personal UPI QR follows the standard person-to-person limit, commonly up to Rs 1 lakh per day across most banks, though your bank may set a lower cap and new UPI IDs often have a 24-hour cooling limit on the first payment. Verified merchant QR codes and specific categories such as some hospital, education and capital-market payments can allow higher amounts. UPI does not add any fee or tax to these transfers, and the QR itself never changes your GST position; GST depends on the goods or service on the bill, not the payment method. If a large payment must go through, split it or confirm the current cap with your bank first.

Common mistakes to avoid

• Typing the UPI ID wrong, which sends money to the wrong person. Always test scan the code once before sharing it.
• Locking in a fixed amount when you actually want customers to enter their own amount, or the reverse.
• Printing the QR too small or on a busy background so cameras struggle to scan it.
• Forgetting to check the payee name shown at scan time, which can confuse or worry customers.
• Attaching the QR to a bill where the tax is wrong, for example adding a GST line on a petrol bill that should have none.
• Reusing an old QR after you have changed banks or UPI IDs, so payments fail or go to a dead account.
• Not keeping the downloaded PDF, so you have no saved record for reimbursement or accounting later.

Frequently asked questions