Technical Specifications
- Standard
- ISO/IEC 18004 QR Code Model 2
- Protocol
- NPCI UPI Deep Link Specification (upi://pay?pa={VPA}&pn={Name}&am={Amount}&cu=INR)
- Parameters
- pa (UPI ID / VPA), pn (Merchant Name), am (Preset Amount), cu (Currency INR), tn (Note)
- Compatibility
- Google Pay, PhonePe, Paytm, BHIM, CRED, Amazon Pay & 300+ Indian banking apps
- Security
- 100% in-browser generation with zero payment intermediaries, tracking, or fees
Standard Industry Use Cases
- Retail checkout counters, acrylic billing stands, and point-of-sale displays
- Freelance digital invoices, consulting receipts, and client payment links
- Restaurant table billing, food delivery packaging, and cafe ordering menus
- Direct non-profit charity donations and event entry registration desks
- Immediate scan-and-pay across all Indian bank accounts with zero commission
Key Benefits of UPI Payment QR
Universal NPCI App Compatibility
Scannable across Google Pay, PhonePe, Paytm, BHIM, CRED, Amazon Pay, and all Indian banking apps.
Direct UPI Payment Details
UniversalCodeMaker does not process or settle payments or set bank, app or merchant fees. Verify the recipient, amount and settlement terms with your payment provider.
Flexible Static or Preset Amount
Generate open-amount QR codes for store counters or locked-amount codes for specific invoices and menu items.
What Code Do I Need for My Product? (Customer Decision Guide)
Choosing the right barcode format depends on where your product is sold, the packaging substrate, and scanner infrastructure:
What is the difference between static and dynamic amount UPI QR codes?
Static codes leave the amount blank, allowing customers to key in their own total at checkout. Dynamic amount codes embed a fixed rupee figure (e.g. am=450.00) so the amount is locked when scanned.
Can I print UPI QR codes on tabletop acrylic tent stands?
Yes! UniversalCodeMaker exports high-resolution 300 DPI vector SVGs and PNGs that can be printed on durable vinyl or cardboard standees for checkout counters.
NPCI Unified Payments Interface Guidelines
- UniversalCodeMaker creates the QR payload but does not process or settle payments. Payment handling, fees and settlement terms are controlled by the payer's and recipient's payment providers.
- Always test-scan your generated QR code with a ₹1 test transaction before printing physical shop signage to verify your VPA spelling.
- Ensure your merchant name matches the official registration on your bank account to avoid customer confusion during payment verification.
Frequently Asked Questions
Which UPI apps can scan and pay with this QR code?
All standard payment apps supporting NPCI specifications can scan this code, including Google Pay, PhonePe, Paytm, BHIM, CRED, Amazon Pay, and all Indian banking apps.
Is there any transaction fee or intermediary involved?
None. UniversalCodeMaker does not process payments or handle funds. The QR code points directly to your Virtual Payment Address (VPA / UPI ID) so 100% of funds go straight into your bank account.
Can I specify a fixed amount or let customers enter their own?
Both options are supported. Leave the amount blank to let the customer enter any amount, or specify a fixed amount to lock the payment to an exact invoice figure.
How do I generate a UPI QR code with a fixed payment amount?
In the generator wizard, enter your UPI ID (VPA), your merchant or personal name, and the exact rupee amount in the Amount field. The generator appends the &am= parameter to the open NPCI URI (for example, upi://pay?pa=store@bank&pn=MyStore&am=250.00&cu=INR). When scanned, the customer's payment app pre-fills and locks the amount to prevent payment discrepancies.
What is a universal UPI QR code and does it work across all payment apps?
A universal UPI QR code follows the National Payments Corporation of India (NPCI) interoperable deep-linking standard. It is not locked to any single vendor like PhonePe or Google Pay. Any UPI-compliant app installed on an Android or iOS smartphone can decode the URI and initiate a secure, immediate payment directly from the payer's linked bank account.
What is the best format to print a UPI payment QR code for a store counter?
Download the code in scalable vector SVG format for professional graphic design, or high-resolution PNG for direct desktop printing. For retail checkout stands and acrylic holders, print at a minimum size of 2" × 2" (50 mm × 50 mm) at 300 DPI or higher. Use a matte finish or non-reflective acrylic stand to eliminate harsh overhead lighting glare that can hinder camera autofocus.