📱 NPCI QR Code Generator
Generate UPI QR codes for payments - Free NPCI-compliant QR code generator
What is NPCI QR Code?
NPCI QR Code is a standardized QR code format developed by the National Payments Corporation of India for Unified Payments Interface (UPI) transactions. These QR codes enable customers to make instant payments using any UPI app like Google Pay, PhonePe, Paytm, BHIM, or bank UPI apps.
Our free NPCI QR code generator creates compliant QR codes that work with all UPI payment apps, making it easy for businesses and individuals to accept digital payments without any setup fees or merchant accounts.
How to Generate NPCI QR Code
- Enter UPI ID: Type your UPI ID (VPA) like yourname@paytm or mobile@ybl
- Add Payee Name: Enter your name or business name
- Set Amount (Optional): Leave empty for flexible amounts or enter a fixed amount
- Add Note (Optional): Include a transaction note or description
- Generate: Click "Generate QR Code" to create your UPI QR code
- Download: Save the QR code image and display it for payments
Real-World Examples: NPCI QR Code Usage
Example 1: Small Business Shop
Raj runs a grocery store and wants to accept UPI payments without a POS machine.
- UPI ID: rajgrocery@paytm
- Payee Name: Raj Grocery Store
- Amount: Flexible (customers enter amount)
- Result: Printed QR code at counter, accepts payments from all UPI apps
Example 2: Freelancer Invoice
Priya is a freelance designer sending an invoice for ₹15,000.
- UPI ID: priya.design@oksbi
- Payee Name: Priya Sharma
- Amount: 15000
- Note: Logo Design Project
- Result: Client scans QR, amount pre-filled, instant payment
Example 3: Street Food Vendor
Amit sells street food and wants to accept digital payments.
- UPI ID: 9876543210@ybl
- Payee Name: Amit Chaat Corner
- Amount: Flexible
- Result: Laminated QR code on cart, customers pay instantly
UPI QR Code Technical Specifications
NPCI QR codes follow the Bharat QR standard and UPI specifications for interoperability across all payment apps.
QR Code Format
- Protocol: UPI URI scheme (upi://pay)
- Parameters: pa (payee address), pn (payee name), am (amount), tn (transaction note)
- Encoding: UTF-8 character encoding
- Error Correction: Level M (15% recovery)
- Size: Minimum 300x300 pixels recommended
UPI ID Format
- Structure: username@bankcode
- Common Banks: @paytm, @ybl (PhonePe), @oksbi (SBI), @icici, @hdfcbank
- Validation: Must be valid and active UPI ID
Security Features
- No Sensitive Data: QR code contains only public payment address
- User Confirmation: All payments require user PIN/biometric
- Transaction Limits: Subject to UPI transaction limits (₹1 lakh per transaction)
Frequently Asked Questions
Q: Is NPCI QR code free to generate?
A: Yes! Our NPCI QR code generator is completely free with no hidden charges. There are no transaction fees for receiving UPI payments either.
Q: Will this QR code work with all UPI apps?
A: Yes! NPCI-compliant QR codes work with all UPI apps including Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, and all bank UPI apps.
Q: Do I need a merchant account?
A: No! You only need a valid UPI ID. Any personal UPI ID works for receiving payments. No merchant registration or business account required.
Q: Can I set a fixed amount in the QR code?
A: Yes! You can either set a fixed amount (useful for invoices) or leave it empty for flexible amounts (useful for shops where amounts vary).
Q: How do I get a UPI ID?
A: Download any UPI app (Google Pay, PhonePe, Paytm, BHIM), link your bank account, and you'll get a UPI ID like yourname@paytm or mobile@ybl.
Q: Is there a transaction limit?
A: UPI has a per-transaction limit of ₹1 lakh and daily limits vary by bank. Check with your bank for specific limits.
Q: Can I use this for my business?
A: Yes! Small businesses, shops, freelancers, and vendors can use this for accepting payments. For large businesses, consider UPI merchant accounts for additional features.
Q: How do I print the QR code?
A: Download the QR code image and print it at any size. Recommended minimum size is 5x5 cm for easy scanning. Laminate it for durability.
Q: Will customers see my phone number?
A: Only your UPI ID and payee name are visible. Your phone number is not shared unless it's part of your UPI ID (like mobile@ybl).
Q: Can I generate multiple QR codes?
A: Yes! You can generate as many QR codes as you need for different purposes, amounts, or locations. Each QR code can have different parameters.
Q: Is this secure for receiving payments?
A: Yes! UPI is highly secure. All transactions require the payer's PIN/biometric. You only receive money; no one can deduct money by scanning your QR code.
Q: What if someone scans the QR code by mistake?
A: No payment happens automatically. The payer must enter their UPI PIN to complete the transaction, so accidental payments are not possible.