How to create a UPI QR code
- 1
Enter your UPI ID
Type your UPI ID exactly as your app shows it, like yourname@okaxis, and the name customers should see.
- 2
Set an amount (optional)
Leave the amount empty for a counter code, or fix it for a single product, fee or donation.
- 3
Download and test
Scan it with a different UPI app and pay ₹1 to check the name and account before you print.
How a UPI QR code works
The code holds a standard UPI payment link: your UPI ID, your name and, if you choose, an amount and a note. When a customer scans it with any UPI app, the app fills in your details and asks them to confirm with their UPI PIN. The money moves directly from their bank account to yours, usually in seconds.
QRStitch never handles the payment, never sees your bank details and charges no fees. The code is created in your browser and works for as long as your UPI ID is active.
Finding your UPI ID
Your UPI ID (also called a VPA, virtual payment address) looks like name@handle, for example shopname@okaxis, 98765xxxxx@ybl or yourname@upi. Open your UPI app (Google Pay, PhonePe, Paytm, BHIM or your bank’s app) and look in your profile: the ID is shown next to your name or your QR code.
Type it exactly, with no spaces. For the payee name, use the name on your bank account or your shop’s name, because customers see it before they pay.
Fixed amount or open amount?
- Leave the amount empty for a shop counter, a taxi, or fees that vary. The customer types the amount.
- Set a fixed amount for a single item, an entry ticket, a membership fee or a donation of a set value. Most apps don’t let the payer change it, which avoids mistakes.
- Add a note, such as an invoice or order number, so you can match payments in your statement.
Personal UPI ID or business account?
A personal UPI ID is fine for occasional payments such as a home tuition class or selling a used item. If you run a shop or receive many payments a day, open a merchant (business) account with your bank or a payment app. You get payment alerts, settlement reports and often a soundbox that announces each payment. You can still design and print your QR code here using your merchant UPI ID.
Staying safe
- Receiving money never needs your UPI PIN. If anyone asks you to scan a code or enter your PIN “to receive money”, it’s a scam.
- Stick your printed code down firmly and check it often. Fraudsters sometimes paste their own code over a shop’s code.
- Ask customers to check the name shown in their app before they pay. A clear payee name protects both of you.
- Test with ₹1 before printing, and again after any change to your bank account or UPI ID.
Printing your UPI QR code
For a counter stand, print the code 5–8 cm wide with your shop name and “Scan & pay with any UPI app” underneath. Laminate it or put it in a stand so it survives spills and handling. Keep plenty of white space around the code and use a dark colour on white: payment apps scan dark-on-light codes fastest, even in dim shops.
For invoices and bills, 2.5–3 cm is enough. On a delivery bag or parcel, place it where it won’t be folded or creased.
Who uses UPI QR codes
Kirana stores, vegetable vendors, cafés, auto and taxi drivers, tutors, doctors’ clinics, event organisers, temples and charities collecting donations, and freelancers adding a pay-by-UPI option to their invoices.