Staying safe with UPI QR codes
You never need to scan a QR code or enter your UPI PIN to receive money. Scanning a QR and entering a PIN always sends money out. If a buyer or stranger asks you to scan their code to get paid, it is a scam.
Only share your own QR with people who are paying you, and check the payee name and amount on the payment screen before you enter your PIN.
How a UPI QR code works
A UPI QR code is just a link in the form upi://pay followed by details. When a payment app scans it, the app opens a payment screen with those details filled in. The code holds no money and no bank login, only the payee's address and optional extras.
pa: the payee address, your UPI ID such asname@bank. Required.pn: the payee name shown to the payer. Required in practice.am: the amount in rupees, with up to two decimals. Leave it out and the payer types the amount.cu: the currency, alwaysINR.tn: a short note that appears with the payment.
Spaces and symbols in the name and note are percent-encoded, so Sample Store becomes Sample%20Store. The page shows the exact text next to the QR so you can check it.
Static QR or fixed-amount QR
If you leave the amount empty you get a static QR. It can be printed once and reused by every customer, who enters their own amount. If you fill in the amount you get a fixed-amount QR, handy for an invoice, a fee or a repeated price, because the payer cannot change the number in most apps.
Payment apps and banks may apply their own limits or checks to links like this, so test with a small payment before you print a lot of cards. Shops with higher volumes often use the merchant QR their bank or payment provider issues.
Printing a payment card for your shop
Choose the card buttons to get a "Scan to pay" card with your name, UPI ID and amount. Download it as a PNG or as an A6 or A4 PDF at 300 DPI. A6 fits a counter stand; A4 suits a wall or window.
- Keep the code dark on white and leave the blank border around it.
- Print at least 3 cm wide and avoid glossy lamination that reflects light.
- Scan the printed card with your own phone before you put it out.
Questions
How to create a UPI QR code for my shop?
Enter your UPI ID and shop name, leave the amount empty, and download the card. Customers scan it with any UPI app and enter the amount themselves.
How do I make a UPI QR code with a fixed amount?
Type the amount in rupees, with up to two decimals. The code then carries am=, so most apps show that amount to the payer.
What does a UPI QR code contain?
It contains a upi://pay link with the payee's UPI ID (pa), name (pn), optional amount (am), currency INR (cu) and optional note (tn). It does not contain your PIN or bank login.
Is it safe to share my UPI QR code?
Yes, it only lets people pay you. Never scan a QR code or share your PIN to receive money, because that is how scammers take money out.
Is my data uploaded or saved anywhere?
No. The QR code is built in your browser and the page blocks network requests, so your UPI ID, Wi-Fi password and text never leave your device.