Free Tool

UPI QR Code Generator

Create a branded UPI payment QR code. Customers scan and pay you directly. Download as PNG.

Disclaimer: This free tool is provided by Commmerce for general informational and estimation purposes only. Results are indicative and may not reflect your exact figures, current tax rates, courier charges, marketplace fees, or regulatory requirements, which change over time and vary by case. Commmerce makes no warranty as to accuracy or completeness and accepts no liability for any loss or decision made based on this tool. Always verify with a qualified professional (chartered accountant, tax advisor, or the relevant official source such as the GST portal or CBIC) before acting.

How the UPI QR Code Generator works

A UPI QR code encodes a standard UPI payment string (your UPI ID or VPA, payee name, and optionally a fixed amount) that any UPI app - Google Pay, PhonePe, Paytm, BHIM - can scan to pay you directly. This tool takes those details and creates a scannable QR you can download as a PNG to print for your counter or add to invoices and packaging. Money goes straight to the bank account linked to your UPI ID, with no extra middleman.

Worked example

A Bengaluru kirana owner enters UPI ID owner@okaxis, name Sri Balaji Stores, and leaves the amount blank so customers type their own bill value. The tool generates a QR that the shop prints and tapes near the till; a customer scanning it and paying Rs 250 sees the payment land instantly in the owner's account.

Frequently asked questions

Does UPI charge me a fee to receive payments?

For normal person-to-merchant UPI payments there is currently no charge to receive money to your bank account. Interchange fees may apply on some PPI (wallet) transactions above Rs 2,000 and are borne by the wallet issuer, not you as the small merchant.

Should I set a fixed amount or leave it blank?

Leave it blank for a general shop QR so customers enter any bill amount. Set a fixed amount only for a single-price item or a specific invoice, so the customer cannot underpay by mistake.

What is a UPI ID or VPA?

It is your unique UPI address, like name@okhdfcbank or 9876543210@ybl, linked to your bank account. You get it from any UPI app after linking your account; anyone can pay it without knowing your account number.

Is a printed paper QR safe to use?

Yes, but paste it where you can see it and check that the payee name shown in the customer's app matches your shop. Fraudsters sometimes stick their own QR over a merchant's; a laminated QR and a quick glance at each success screen prevents this.

Accept every payment method at checkout

Commmerce POS accepts UPI, cards, wallet, and cash with automatic reconciliation.

See Billing & Checkout