Create UPI Payment QR Codes for Indian Businesses
Accept payments through PhonePe, Google Pay, Paytm, BHIM, and all UPI apps instantly. Perfect for shops, restaurants, vendors, and MSMEs across India. Zero transaction fees!
Quick Solution: Free UPI QR Code Generator
Create professional UPI payment QR codes in 2 minutes. Compatible with all UPI apps used in India. Add your business logo, customize colors, and start accepting digital payments immediately - no merchant account needed for P2P transactions.
Create UPI QR Code Now - FreeWhy UPI QR Codes are Essential for Indian Businesses
UPI (Unified Payments Interface) has revolutionized payments in India with over 12 billion monthly transactions. In 2024-25, 85% of digital payments in India happen through UPI, making it essential for every business.
Unlike traditional POS machines or payment gateways that charge 1-3% fees, UPI QR code payments are FREE for person-to-person transactions. This makes them perfect for small businesses, vendors, and MSMEs.
One QR code works with PhonePe, Google Pay, Paytm, BHIM, WhatsApp Pay, Amazon Pay, and all UPI-enabled apps. Your customers can pay using their preferred app - you receive money in your linked bank account instantly.
UPI Market Share in India (2025):
Source: NPCI UPI Transaction Data 2025
UPI QR Codes for Every Business Type
Benefits: Quick checkout, no cash handling, instant payment confirmation
Benefits: Table-side payments, reduce bill settlement time, contactless payments
Benefits: Professional payment collection, maintain customer records, easy invoicing
Benefits: Zero setup cost, no POS machine needed, works on basic phones
Step-by-Step: Create Your UPI QR Code
Get Your UPI ID
Your UPI ID is linked to your bank account. Find it in your UPI app:
PhonePe
Profile → My UPI ID
Format: yourname@ybl
Google Pay
Profile → Bank account
Format: yourname@okaxis
Paytm
Profile → Payment settings
Format: yourname@paytm
Visit AceToolz QR Generator
Go to AceToolz QR Code Generator and select the UPI payment option. Our generator creates standard UPI QR codes compatible with all apps.
Why AceToolz? Free, no sign-up required, customizable design, high-resolution downloads
Enter UPI Payment Details
Fill in your business payment information:
- • UPI ID: Your UPI handle (e.g., rajeshkumar@paytm)
- • Payee Name: Your business name or your name
- • Amount (optional): Leave blank for dynamic amount, or set fixed price for products
- • Note (optional): Payment purpose like "Sweets Shop" or "Tailoring Services"
Customize QR Code Design
Make your QR code stand out with custom branding:
Colors
Brand colors
Logo
Business logo
Size
Print or digital
Format
PNG or SVG
Download & Display Your QR Code
Get your QR code in high-resolution format and display it at your business:
Print Options:
- • Counter standee (A4 size)
- • Business cards
- • Invoice/Bill footer
- • Shop signboard
Digital Display:
- • Website payment page
- • WhatsApp status/profile
- • Instagram/Facebook bio
- • Email signature
Physical Products:
- • Product packaging
- • Delivery bags
- • Menu cards
- • Price tags
Benefits of UPI QR Code Payments
💰 Zero Transaction Fees
- • No MDR charges (unlike card payments)
- • No setup costs or monthly fees
- • 100% payment received in your account
- • Save 1-3% on every transaction
Example: On ₹1 lakh monthly sales, save ₹2000-3000 in fees!
⚡ Instant Settlement
- • Money in bank account immediately
- • No T+2 or T+3 day waiting period
- • Immediate payment confirmation
- • Better cash flow management
🛡️ Safe & Secure
- • No cash handling risks
- • Digital payment trail for GST
- • NPCI regulated infrastructure
- • Two-factor authentication
📱 Customer Convenience
- • No need for exact change
- • Works on all smartphones
- • 2-second payment process
- • Auto transaction history
📊 Business Benefits
- • Better bookkeeping & accounting
- • Easy ITR filing with digital records
- • Professional business image
- • Attract younger customers
🚀 Marketing Advantage
- • "Digital payments accepted" signage
- • Cashback offers from UPI apps
- • Customer payment data insights
- • Loyalty program integration
Best Practices for UPI QR Code Display
✓ Do's
Place at Eye Level
Counter or wall display at comfortable scanning height (4-5 feet)
Minimum 3x3 inch Size for Print
Ensures easy scanning from 1-2 feet distance
Good Lighting
Display in well-lit areas for easy camera scanning
Laminate Print Copies
Protect from water, dust, and wear & tear
Add Business Name & Logo
Builds trust and professional brand image
Test Before Printing
Scan with multiple UPI apps to verify it works
✗ Don'ts
Don't Use Very Small Sizes
QR codes smaller than 2x2 inches are hard to scan
Avoid Low Contrast Colors
Dark QR on light background works best (avoid yellow/gray)
Don't Place Behind Glass/Plastic
Reflections make scanning difficult, use matte finish
Avoid Curved Surfaces
QR codes need flat display for accurate scanning
Don't Over-customize Logo Size
Logo should be max 20% of QR code area
Never Share UPI PIN with Anyone
QR codes are for receiving money only, PIN not needed
Real-World Use Cases
🛒 Grocery Store Owner (Rajesh Kumar, Mumbai)
"Earlier, I needed ₹5000-10000 cash daily for giving change. Now with UPI QR code at counter, 90% payments are digital. I save money on cash handling and my shop looks more professional. Monthly sales increased by 15% as customers prefer shops accepting digital payments."
🍕 Cloud Kitchen (Tasty Bites, Bangalore)
"We print UPI QR codes on every delivery package. Customers can tip delivery boys or make COD payments via UPI. This reduced cash handling for drivers and improved order accuracy. We also track payments better for GST filing."
✂️ Salon Owner (Priya Sharma, Delhi)
"I display QR code at reception and also share via WhatsApp for advance bookings. During COVID, contactless payments became essential. Now 80% clients pay via UPI. The instant payment confirmation helps me maintain appointment schedules better."
🛺 Auto Rickshaw Driver (Suresh, Chennai)
"I stuck UPI QR code sticker inside my auto. Many passengers don't carry cash these days. With QR code, I never lose customers due to change problems. Airport trips especially - everyone pays digitally. My daily earnings increased by ₹200-300."
📚 Coaching Class (Gupta Academy, Kota)
"Students pay monthly fees via UPI QR code. Parents can pay from anywhere in India instantly. We maintain digital records for each student automatically. This eliminated cash handling and improved our professional image among parents."
Frequently Asked Questions
How do I create a UPI QR code for my business?
Use AceToolz QR Code Generator to create a UPI QR code. Enter your UPI ID (like yourname@paytm or yourname@ybl), add business details, customize appearance, and download. The QR code works with all UPI apps including PhonePe, Google Pay, Paytm, and BHIM.
Which UPI apps are compatible with QR codes created on AceToolz?
QR codes created on AceToolz work with all UPI apps in India including PhonePe, Google Pay, Paytm, BHIM, Amazon Pay, WhatsApp Pay, and any UPI-enabled banking app. UPI is a standardized payment system, so one QR code works everywhere.
Is there any transaction fee for UPI QR code payments?
For P2P (person-to-person) UPI transactions through QR codes, there are NO charges for businesses or customers. This is different from merchant QR codes which may have fees. For specific merchant accounts, check with your payment service provider.
Can I track payments received through UPI QR codes?
UPI payment tracking is available in your UPI app (PhonePe, Google Pay, etc.). All received payments appear in your transaction history with sender details, amount, and timestamp. For advanced analytics and settlement reports, consider upgrading to merchant UPI accounts.
Do I need a current account or business account for UPI QR codes?
No, you can receive UPI payments in your regular savings account. However, RBI guidelines recommend business accounts for commercial transactions. For high-volume businesses, merchant accounts offer better analytics and settlement features.
What is the maximum amount I can receive via UPI QR code?
For personal UPI accounts, the limit is ₹1 lakh per transaction. Different UPI apps may have daily limits (typically ₹1-2 lakh per day). For merchant accounts, limits are higher and can be customized based on business needs.
How do I verify if a UPI payment is received successfully?
You receive instant notification on your phone when payment is received. Check your UPI app transaction history for confirmation. For customer confidence, show them the payment success message on your phone screen.
Can I use the same QR code for multiple business locations?
Yes, you can print and display the same QR code at multiple locations since all payments go to your linked bank account. However, for tracking which location generates more payments, create separate QR codes for each location with different UPI IDs or use merchant solutions.
Ready to Accept Digital Payments?
Create your free UPI QR code now and start accepting PhonePe, Google Pay, Paytm, BHIM payments instantly. Zero setup cost, zero transaction fees, professional business image!