How to Generate UPI QR Codes for Payments (GPay, PhonePe, Paytm, BHIM)

Unified Payments Interface (UPI) is the world's largest real-time payment system, processing billions of transactions monthly across India.

The Standard UPI URI String Format

UPI QR codes use a standardized URI scheme supported by all banking and UPI apps:

upi://pay?pa=merchant@bank&pn=MerchantName&am=100.00&cu=INR&tn=Order123

Key Parameters Explained

• pa (Payee Address): Your VPA / UPI ID (e.g. yourname@okhdfcbank, business@paytm).
• pn (Payee Name): Your business or personal name displayed to the customer.
• am (Amount - Optional): Leave empty for customer-entered amounts, or specify exact bills.
• cu (Currency): Set to INR.