How to Create a UPI QR Code for Your Business (Free 2025 Guide)

What is a UPI QR Code?

A UPI QR Code is a scannable code linked to your UPI ID (Unified Payments Interface) that lets anyone pay you instantly using any UPI app — Google Pay, PhonePe, Paytm, BHIM, or any bank app. When a customer scans your QR code, their UPI app pre-fills your UPI ID and (optionally) the amount, making payment seamless.

Why Every Business in India Needs a UPI QR Code

India is one of the world's largest UPI markets, with over 10 billion UPI transactions per month as of 2024. Whether you run a kirana store, a YouTube channel, a tutoring service, or an online shop — a UPI QR code means:

• Zero MDR (Merchant Discount Rate): UPI is free for merchants, unlike credit/debit card machines that charge 1-2%.
• Instant settlement: Money is in your account in seconds, not days.
• No hardware required: Just print the QR code and stick it at your counter.
• Works offline: Once printed, the QR code works without internet on your end.

How to Create a UPI QR Code (Step by Step)

Step 1: Know Your UPI ID

Your UPI ID is typically in the format username@bankname. Examples:

• Google Pay: name@oksbi or name@okaxis
• PhonePe: phone@ybl
• Paytm: phone@paytm
• BHIM: phone@upi

Find your UPI ID in the profile section of any UPI app.

Step 2: Generate the QR Code

Use the ToolDost UPI QR Code Generator — it's free, instant, and works in your browser. Enter your UPI ID, a display name, and optionally a fixed amount. Your QR code downloads as a PNG image.

Step 3: Print and Display

Print the QR code at your counter, stick it on your table, or use it digitally on your website/invoice. Customers scan it with their UPI app to pay.

Customizing Your UPI QR Code

You can include additional parameters in your UPI QR code:

• Payee name: Displayed to the payer (e.g., "Rajesh Grocery")
• Fixed amount: Pre-fill the payment amount (e.g., for a ₹100 tiffin service)
• Transaction note: E.g., "Tiffin payment February"

UPI QR Code for Freelancers

Freelancers can add their UPI QR code to:

• Invoice PDFs sent to clients
• Email signatures
• Portfolio websites
• WhatsApp Business profile

Other QR Code Tools

ToolDost also offers:

• WhatsApp QR Code Generator — Let customers message you instantly
• WiFi QR Code Generator — Share WiFi passwords without typing
• Text QR Code Generator — Encode any text or URL