Free UPI QR Code Generator Online — PhonePe, GPay, Paytm

📱 QR Code Generator — UPI, WhatsApp, WiFi, URL, vCard & More

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Your Brand

Google Pay

PhonePe

Paytm

BHIM

Your UPI ID *

Find in Google Pay → Profile, or PhonePe → My Profile. Looks like: name@ybl, mobile@paytm, name@okaxis

Your Name / Shop Name *

Amount in ₹ (optional)

Leave empty so customer enters their own amount

Payment Note (optional)

WhatsApp Number *

Include country code. India: 91XXXXXXXXXX

Pre-filled Message (optional)

When someone scans, this message is pre-typed for them

Website URL *

Use for digital menu, Google Form, Instagram page, or any link

WiFi Network Name (SSID) *

Password *

Security Type

Full Name *

Phone Number

Email Address

Company

Website

Email Address *

Subject (optional)

Body (optional)

Phone Number *

Scanning this QR will open the phone dialer with this number

Your Text *

Your QR Code

made with toolsflow.in

QR Preview

Live Preview

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QR APPEARS HERE

Who Uses This QR Generator?

Built for every Indian use case — shops, businesses, students and homes. Every tab is designed around how Indians actually use QR codes.

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Kirana Stores & Shops

Create a UPI payment QR, print it and place at your counter. Customers pay via Google Pay, PhonePe or Paytm instantly.

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WhatsApp Business

Generate a WhatsApp QR so customers open a chat with you directly by scanning. Add to shop board or visiting card.

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Restaurants & Cafes

Create a URL QR for your digital menu. Print on table cards — customers scan to see the menu without touching anything.

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Homes, Offices & Hotels

Create a WiFi QR for guests. They scan and connect automatically — no need to share the password or ask you.

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Professionals & Freelancers

Add a vCard QR to your visiting card. Anyone who scans it saves all your contact details directly to their phone.

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Students & Teachers

Share assignment links, study material or Google Form links as QR codes. Easy to display on boards and handouts.

How to Generate a QR Code for Online Payment — Step by Step

Generating a UPI payment QR code for your shop takes under 2 minutes. Here is exactly how to do it:

Find your UPI ID

Open Google Pay → tap your profile photo → your UPI ID is shown below your name. In PhonePe → tap Profile → My Profile. It looks like name@okaxis or mobile@paytm.

Enter your UPI ID and shop name

Type your UPI ID in the first field and your shop name in the second. Optionally add a fixed amount — or leave it empty so customers enter their own.

Generate and download

Click Generate UPI QR Code. Your QR appears instantly. Click Download PNG — a high-resolution QR image saves to your phone or computer.

Print and display

Print at minimum 5cm × 5cm for counter display. Test scan with Google Pay and PhonePe before placing at your counter permanently.

How to Find Your UPI ID for QR Code

You need your UPI ID to create a payment QR code. Here is how to find it in each app:

Google Pay (GPay)

Open GPay → Tap your photo (top right) → Your UPI ID is shown below your name

Looks like: name@okaxis or mobile@oksbi

PhonePe

Open PhonePe → Tap Profile icon → My Profile → Your UPI ID is listed

Looks like: name@ybl or mobile@ibl

Paytm

Open Paytm → Tap Profile → Your UPI ID is shown under your name

Looks like: mobile@paytm

BHIM / Bank App

Open BHIM → Profile → Your UPI ID is shown. Bank apps show UPI ID in Account section

Looks like: mobile@upi

UPI QR Code — Accept Payments from Any UPI App

A UPI QR code lets your customers pay you instantly using Google Pay, PhonePe, Paytm, BHIM or any of the 300+ UPI apps in India. When they scan your QR code, their UPI app opens with your payment details already filled in — they just enter their PIN and the payment is done.

Unlike physical card machines that cost ₹2,000–5,000 and charge per transaction, a UPI QR code is completely free and has zero transaction fees. Create one, print it and display at your counter. The QR code never expires and works forever.

🇮🇳 India has the world's largest UPI usage — over 20 billion transactions per month. Millions of small shop owners across tier-2 and tier-3 cities now accept payments via QR code. ToolsFlow makes it free and instant to create your QR without any technical knowledge.

What is a UPI QR Code?

A UPI QR code is a scannable square image. When someone points their phone camera at it, their UPI app opens automatically with your payment details already filled in. They just enter the amount and confirm with their PIN — payment done.

✓Works with all UPI apps — Google Pay, PhonePe, Paytm, BHIM and 300+ more. One QR, every app.
✓Completely free — no card machine, no setup fee, no transaction charges. Zero cost forever.
✓Never expires — print it once, use it forever. No renewal, no account needed.
✓No merchant registration — you only need your UPI ID. The one you already use on Google Pay or PhonePe.
✓Two types: Static QR (one QR, customer enters amount — best for shops) and Dynamic QR (amount embedded, used by large retailers). For most people, static is all you need.

Benefits of Using a UPI QR Code for Small Businesses

More than 50 million small merchants across India now accept UPI payments. Here is why a UPI QR code is the best payment solution for any small business:

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No Card Machine Needed

POS machines cost ₹2,000–5,000 upfront plus monthly rental. A UPI QR code costs nothing — just print and display.

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Zero Transaction Fees

Card machines charge 1–2% per swipe. UPI has zero MDR (Merchant Discount Rate) for most transactions — you receive 100% of every payment.

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Instant Settlement

UPI payments settle directly to your bank account in real time — no waiting 2–3 days like card payments.

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Works with All Apps

One QR code accepts payments from Google Pay, PhonePe, Paytm, BHIM and all 300+ UPI apps. No separate QR needed for each app.

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No Setup or Registration

No merchant account, no KYC for the QR itself, no approval process. Just enter your UPI ID, generate and print.

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Never Expires

Print it once and use it forever. Unlike card machines that need maintenance and software updates, a UPI QR code just works.

Generate QR Code for Google Pay, PhonePe and Paytm

One UPI QR code works with all payment apps — you do not need a separate QR for each. Here is how to find your UPI ID in each app:

Generate QR Code for Google Pay

→Open GPay → tap your profile photo → your UPI ID is shown below your name
→Looks like: name@okaxis or mobile@oksbi
→Enter this UPI ID in the generator above → Generate → Download → done

Generate QR Code for PhonePe

→Open PhonePe → tap Profile icon → My Profile → your UPI ID is listed
→Looks like: name@ybl or mobile@ibl
→Enter this in the generator → Generate → your QR works for all PhonePe users instantly

Generate QR Code for Paytm

→Open Paytm → tap Profile → your UPI ID appears as mobile@paytm
→Enter this in the generator → Generate → download your QR
→Note: this is a UPI QR — payments go directly to your bank, not Paytm Wallet

Static QR Code vs Dynamic QR Code — What's the Difference?

This is one of the most searched questions about QR code payments in India. Here is the simple difference:

Feature	Static QR	Dynamic QR
Cost	Free forever	Requires payment gateway
Amount	Customer enters amount	Amount embedded in QR
Expiry	Never expires	Expires after one transaction
Best for	Shops, vendors, small businesses	Apps, e-commerce, invoices
Setup	Instant — no account needed	Needs merchant registration

For 99% of small shops and businesses in India — a static QR code is all you need. Dynamic QR codes are for large retailers, apps and e-commerce platforms that need to track each transaction individually. The QR generator on this page creates static UPI QR codes which are free and work permanently.

How to Print Your QR Code for Shop

Printing your QR code correctly ensures it scans reliably every time. Follow these tips:

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Minimum Print Size

Print at least 5cm × 5cm for counter display. For wall display, print 10cm × 10cm or larger. Too small means scan failures.

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Use High Resolution

Download PNG and print at 300 DPI minimum. Tell your print shop to print at "high quality" — blurry QR codes don't scan.

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Avoid Glare

Don't use glossy lamination on QR codes. Matte finish works best. Keep the QR away from direct sunlight at the counter.

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Always Test First

Before printing in bulk, scan with Google Pay, PhonePe and Paytm to confirm all three apps read it correctly.

Your Data is Safe — Nothing is Stored

All QR codes are generated in your browser using JavaScript. Your UPI ID, phone number, WiFi password and contact details never reach any server and are never stored anywhere.

The moment you close the tab, everything is gone. ToolsFlow cannot see any data you enter. Your information is completely private.

Frequently Asked Questions

How to create a UPI QR code for my shop free?›

Go to ToolsFlow QR Generator, select the UPI Payment tab, enter your UPI ID and shop name, optionally add a fixed amount, and click Generate. Download the PNG and print it for your counter. Free forever, no signup required.

How to generate QR code for online payment?›

Enter your UPI ID in the UPI Payment tab. Your UPI ID is found in Google Pay under Profile, or PhonePe under My Profile. It looks like name@okaxis or mobile@paytm. Click Generate and your payment QR is ready to download and share.

Does this QR code work with PhonePe and Google Pay?›

Yes. The generated QR code is a standard UPI QR and works with PhonePe, Google Pay, Paytm, BHIM, and all 300+ UPI-enabled apps in India.

Can I add an amount to my UPI QR code?›

Yes. Enter the amount in the Amount field before generating. The payer will see the amount pre-filled when they scan. Leave it empty if you want customers to enter their own amount each time.

Does the QR code expire? Is it free forever?›

No, it never expires. UPI QR codes are permanent and work forever. ToolsFlow generates the QR code in your browser — there is no server, no account and no expiry date. Once you download it, it is yours forever.

How to create a WhatsApp QR code?›

Select the WhatsApp tab, enter your mobile number with country code (91 for India), add an optional pre-filled message, and click Generate. Download and add to your shop board or visiting card.

Is this QR generator free for businesses?›

Completely free, no registration, no monthly fee. Create and download as many QR codes as you need for your shop, business or personal use.

Can one QR code accept payments from both Google Pay and PhonePe?›

Yes. One UPI QR code works with every UPI app — Google Pay, PhonePe, Paytm, BHIM and all 300+ UPI apps in India. You do not need a separate QR for each app. This is the beauty of UPI — it is one interoperable system connecting all banks and payment apps.

Do I need a merchant account to use a UPI QR code?›

No. You only need a personal UPI ID — the one you already use for sending and receiving money on Google Pay or PhonePe. There is no merchant account, no KYC specific to the QR code, and no approval needed. Just enter your UPI ID, generate the QR, and start accepting payments.

What is the difference between static and dynamic QR code?›

A static QR code is permanent — one QR code for all payments, customer enters the amount each time. It is free and never expires. A dynamic QR code is generated fresh for each transaction with the amount already embedded — used by large retailers and apps. For most small shops in India, a static UPI QR code is all you need.

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