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How to make a UPI QR code for your shop or payments

Reading out a UPI ID, spelling it twice and waiting for the customer to type it correctly is slow. A QR code does it in a second: the customer scans, the payment app opens with your name and ID filled in, and they pay. You can make one yourself, for free, in a minute.

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Make the code

  1. Open UPI QR Code and type your UPI ID exactly as your payment app shows it, for example name@okbank, with no spaces.
  2. Type the name of the person or shop. This is what the payer sees.
  3. Leave the amount empty for a code that works for any payment. Fill it in for a bill or a fixed fee.
  4. Check the code that appears, then download the PNG.

Check it before you rely on it

  1. Scan the code with a different phone from the one that owns the UPI ID, in a UPI app.
  2. Check that the name and the UPI ID in the app are right, and the amount if you set one.
  3. Make a small real payment to yourself or a friend, and see that it arrives.
  4. If the app shows an error, look for a typo in the UPI ID.

Printing it for the counter

  • Print it at least 5 cm square, with the white border around it left in.
  • Use dark squares on a white background. Coloured codes are fine, but black on white scans fastest.
  • Put it in a clear sleeve or under plastic, so it does not get scratched or smudged.
  • Choose High error correction if it will be handled a lot.
  • Put your name or the shop name beside it, so customers can see that it is yours.

With an amount, or without

A code with no amount is for the counter: every customer scans the same code and types what they owe. A code with an amount is for one bill, a fixed price, an invoice or a delivery: the app opens with the sum ready. Make a new code for each amount, and do not reuse a bill's code for another customer.

If a lot of money goes through your shop every day, ask your bank for a merchant QR, which comes with settlement and reports. A code from this page is a good fit for individuals, freelancers and small sellers.

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