What is the daily and per-transaction regulatory limit for UPI payments in India?

Per NPCI regulations, the standard Peer-to-Peer (P2P) transaction limit is ₹1,00,000 per day. For verified merchants (P2M) with standard business MCCs, single transactions up to ₹2,00,000 are permitted. Approved special categories such as Educational Institutions (MCC 8211/8220/8299), Hospitals & Healthcare (MCC 8011/8062/8099), Government Tax Payments (MCC 9311), and Capital Market IPO applications permit enhanced limits up to ₹5,00,000.

How do I print countertop standees or thermal receipts for my shop?

Click the "Print Standees, Cards & Slips" button below the QR code. You can select from 6 commercial print layouts including Countertop Standee (A4), Table Tent (A5/A6 with optional Guest Wi-Fi), Pocket Wallet Card, Counter Sticker, POS Receipt Slip, and 58mm/80mm continuous thermal paper roll format.

What is Merchant Category Code (MCC) and why should I specify it?

A Merchant Category Code (MCC) is a 4-digit number assigned by NPCI and ISO to classify the type of goods or services provided. Setting your MCC (e.g. 5411 for Grocery, 5812 for Restaurants, 8299 for Education) enables higher transaction tier limits and allows customers to pay using RuPay Credit Cards linked to UPI.

Does the generated UPI QR code expire?

No. Static UPI QR codes generated from your VPA do not expire. However, if you generate a Mode B Private Local Link, the local session expires in 72 hours for privacy.

Can I leave the payment amount blank?

Yes! When you leave the amount blank, our generator strictly omits the amount parameter from the UPI URI string. When scanned, the payer will be prompted by their UPI app (GPay, PhonePe, Paytm) to enter any desired amount.

Does my payment or UPI ID get stored on a server?

No. Toolbox is 100% client-side. All validations, QR canvas renderings, and link encodings execute purely inside your browser runtime without transmitting any data to a backend server.

Does this UPI QR generator work offline?

Yes. As an installable PWA, once you visit or install Toolbox, the QR generator logic and assets remain cached and fully functional even when disconnected from the internet.

Which UPI apps are supported?

All NPCI-compliant UPI applications are supported, including Google Pay (https://pay.google.com/), PhonePe (https://www.phonepe.com/), Paytm (https://paytm.com/), BHIM UPI (https://www.bhimupi.org.in/), Cred, Amazon Pay, WhatsApp Pay, and banking apps per NPCI specifications (https://www.npci.org.in/).

Calculators

UPI QR Code Generator

Generate instant scannable UPI payment QR codes with optional amount, custom note, shareable payment links, and offline PWA readiness.

Quick Answer & Summary

To generate a free UPI payment QR code, enter your Virtual Payment Address (VPA) such as yourname@okhdfcbank, specify an optional amount in INR and payment note, and instantly scan or download the high-resolution QR code. The generated QR conforms strictly to NPCI standards and works with all Indian UPI apps (Google Pay, PhonePe, Paytm, BHIM, Cred).

100% Client-Side Direct Settlement

UPI Payment Parameters

Enter your Virtual Payment Address (VPA), custom branding, error correction level, and merchant parameters.

Profile:

UPI ID / VPA *

Handles:

Payee Name (Optional)

Amount (₹ INR) (Optional)

₹

Presets:

Payment Note / Description (Optional)0/100

QR Matrix & Eye Styling

21.0:1 Contrast

Module Shape:

Corner Eye Geometry:

Color Theme:

Foreground:

#000000

Background:

#ffffff

QR Center Logo & BrandingAuto-enhances to Level H

Scannable UPI QR

Enter a valid UPI ID to generate scannable QR

Merchant POS & Rapid Checkout

Retail Deck

UPI Commercial & Developer Power Suite

4 Specialized Workbenches

Multi-table batch generator, GST tax invoicing, EMVCo/BharatQR banking inspector, and website embed badges.

Restaurant Tables & Batch Counter Cards

Generate batches of sequential table QR cards (Table 1 to Table 30) or import custom CSV lists for batch printing multi-card sheets with 1-click ZIP export.

Share This Tool

Help your team and fellow developers save time with free, private client-side utilities.

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Toolbox Editorial TeamVerified Authors

Systems & Security Engineers • Applied Cryptography & High-Performance Web Tools

Updated: August 2026

100% In-BrowserZero server storage

Standards AuditedRFC & ISO compliant

Peer ReviewedEditorial Policy

Documentation & Guide

How to Use UPI QR Code Generator

Enter your UPI Virtual Payment Address (VPA)

Type your UPI ID such as yourname@okhdfcbank, mobile@paytm, or merchant@upi. The generator automatically validates the format and suggests common bank handle typo fixes.

Set Optional Amount & Transaction Note

Specify an exact amount in INR (or leave blank so the payer can enter any amount). Add an optional transaction reference or bill note.

Customize Color, Logo & Layout

Personalize with bank brand badges (GPay, PhonePe, Paytm, BHIM), custom center logos, and high-contrast color palettes.

Scan, Download, Print Standees, or Share

Scan directly using any UPI app (GPay, PhonePe, Paytm, Cred), export high-res PNG/SVG, generate printable countertop standees, or copy the shareable payment link.

Pro Tips

Leave the amount field blank if you want payers to enter their own custom amount at checkout.

Use the Share Link button to generate a direct link that reconstructs this QR code for remote customers.

Install Toolbox as a PWA on your mobile home screen for instantaneous offline QR generation.

Click Print Templates to produce print-ready A4 countertop standees or 58mm/80mm POS thermal slips.

Practical Examples & Conversions

Input

UPI: freelancer@okaxis | Amount: ₹5,000 | Note: Web Design Milestone 1

Output

Scannable QR pre-filling ₹5,000 and project note in payer UPI app with zero transaction charges

Frequently Asked Questions (PAA)

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Authoritative Standards & Citations

Calculations and algorithms on this page are implemented and verified in strict accordance with the following official technical specifications:

IEEE Standards Association

IEEE 754: Standard for Floating-Point Arithmetic

Industry standard for floating-point computation formats, rounding rules, and arithmetic.

Reserve Bank of India

Reserve Bank of India (RBI) Lending Guidelines & Amortization Rules

Standardized interest compounding frequency and EMI calculation guidelines.