The Unified Payments Interface (UPI), developed in India, has radically revolutionized the digital transaction sector by being instant, interoperable and secure in transferring funds between a pair of bank accounts with a virtual payment address (VPA) or simply a QR code. The character of this system is the UPI QR code, which helps merchants and individuals to get money immediately through a simple scan.
Due to the world-wide presence of UPI (since countries such as Singapore, France, and the UAE have it) recently, the demand for advanced, stable, and tailored UPI QR Code Generators has already rocketed. Such tools should not only follow the NPCI Bharat QR standard to the letter but also include features that can promote the experience of transactions, including the autofill amount, adding logos, and offering a business integration API.
The guide represents a detailed overview of 10 of the most popular QR code platforms that are available globally, and breaks them down by their functionality, cost, and scalability in personal and enterprise applications. We are focused on generators that provide strong functionality, a high level of security, and the convenience required by the contemporary digital economy.
What is a UPI QR Code Generator?
A UPI QR Code Generator is a software service or software program that converts your payment details: the Virtual Payment Address (VPA), the Payee Name, and the amount into a standardised QR (Quick Response) code graphic. Upon scanning with any UPI-based application (such as Google Pay, PhonePe, or BHIM), the application decodes the encoded data link and triggers a payment request and pre-fills the information.
The Role of the UPI Deep Link:
The essence of the UPI QR code is what is called a Deep link URL provided by the National Payments Corporation of India (NPCI):
upi://pay?pa={VPA}&pn={PayeeName}&am={Amount}&cu=INR&tn={TransactionNote}
The task of the generator is to encode safely this link with error-correction information (to enable the scanning of the code even when partially covered) into a scannable 2D image.
Key Factors Driving QR Code Adoption:
- E-Commerce and Contactless Development: The move towards contactless payment processes in the world has rendered the use of QR codes as a necessary counter between tactile communication and online shopping. UPI also has an instant settlement rate that can be argued to increase this adoption at the cost of dependable generation tools.
- Specificity of Transactions: Current transactions might involve a dynamic QR code – in which the amount to be paid has already been filled in – to eliminate human error and facilitate quick and efficient payment flow, a feature much desired both by small businesses and the enterprise merchant.
Essential Features for Commercial Use:
- Dynamic Generation: This is the capability to make transaction prices and reference note pre-filled (am and tn parameters).
- Branding: You can have an option that includes either having a logo within the middle of the QR code (e.g., your business logo or some UPI logo).
- Error Correction: Making sure that the QR code is scannable even when damaged (vital to printed codes).
- Tracking & Analytics: In the case of businesses, coaches need to monitor the time and location when the QR code is scanned (this would work with dynamic codes or embedded APIs).
- Access API: The API is an interface that is available to developers in order to automate code-generation during e-commerce checkout processes or invoicing applications.
List of Top 15 UPI QR Code Generators
1. Digital Inspiration (Labnol) UPI QR Code Generator
- Website: https://www.labnol.org/upi
- Pricing: Free (Free utility tool, mostly).
Digital Inspiration It is a free UPI QR Generator Tool by the technology author Amit Agarwal (Labnol) with one of the simplest and most focused options available. The device is not just utilitarian in the sense that it can be used by typing in the VPA, Payee Name, the amount of the transaction, and description, and the scannable image will be immediately produced.
Its advantage is that it is so simple and it follows the UPI protocol format directly, and therefore it is perfectly suited to anyone and even a small merchant that wants to obtain a fast, non-tracked and dynamic image of a QR code.
This is generated instantly in the browser, and therefore registration is not required at all, and no covert data mining. The site is open to the form of a UPI link, ensuring the encoded message is easily verified by users. It is a fantastic, reliable utility for simple, daily payments.
Key Features: Instant Dynamic Code Generation, No Registration Required, Amount Pre-fill Option, Transaction Note Field, and Pure Utility Focus.
Pros: Unbelievably easy and fast to conduct; totally free without any tracking or advertisement; adherence transparent to the format of UPI deep link; perfect when making a one-off individual payment.
Cons: Lacks customization (no logo or colors); no central tracking or analytics; functionality is not provided with other options than UPI links.
2. QR Code Generator (QRStuff)
- Website: https://www.qrstuff.com/
- Pricing: Free (Static Codes); Paid Plans 12.95/month (Dynamic Codes/ Analytics).
QRStuff is a high-quality and general-purpose tool among popular UPI QR Code Generators, with payment links, high resolution, and the ability to be customized. It is not a UPI-specific application and therefore, it handles the production of quality graphics and provides a good tracking system to business users. It provides the user with the ability to encode the UPI deep link URL (which must be properly structured by the user) and then customize the look by adding logos, colors, and special shapes.
The free tier also offers great static QR code images, but companies that require tracking scans, changes to the destination link, or advanced analytics are required to purchase the paid tier. Its main strength lies in the quality of branded graphics suitable for printed materials such as signs, business cards, and invoices.
Key Features: An ample variety of customization (Choice of logo, colour, shape, etc.), Extensive customization (Logo, Colour, Shape), Tracking and analytics (paid tier), 200 types of data are supported, and there is no official requirement to use a URL shortener.
Pros: Exceptional graphic output compared to the market top; scannability through high error level; branding advantageous use; can be used in marketing over a long period of time.
Cons: UPI connection is the one that should be built manually; analytics and dynamic code is a monthly subscription.
3. QR Code Chimp
- Website: https://www.qrcodechimp.com/
- Pricing: Free (basic static); Paid subscriptions for dynamic codes, tracking, and bulk creation.
QRCodeChimp is a powerful QR code management tool that has a reputation of providing the most visual options on payment QR, making it a recommended tool among brand marketers. It has specialized in converting regular UPI codes into attractive graphics, made in shapes a customer wants with logos, unique colors, and pretty stickers. It is a specific UPI generator that enables inputs of VPA, Name, Amount, and Transaction Note.
As a business, the platform provides useful paid options such as Dynamic QR codes (content can be edited even after the printed scans), Tracking of analytics (scan of the code) when it comes to scans, and Bulk Generation, which is capable of generating large quantities of unique codes at the same time. It is a complete QR content management software that is very compatible with any UPI apps.
Key Features: Extraordinary Design Customization, Dynamic QR Codes, Tracking and analytics Tracking and analytics, Logo and Branding, Bulk Generation (Paid Tier), Tracking and analytics.
Pros: Best in Class Visual Branding, turns plain QR codes into highly stylized, brand-compliant graphics, actionable Analytics (Paid), provides information on scan location, time and frequency, and is highly compatible.
Cons: Most of the strongest functions, such as dynamic codes and tracking, are only available with a paid subscription; it is not have a built-in payment gateway.
4. ME-QR Code Generator
- Website: https://me-qr.com/
- Pricing: Free (Basic Static); Paid Total subscriptions in Dynamic and Custom Templates.
ME-QR is a contemporary, multifunctional QR solution that ranks among the most versatile UPI QR Code Generators, offering a diversified range of dedicated QR options such as payment link and vCards. The platform enables users to create codes with predetermined amounts and specific UPI information.
Its user experience stands out with a clear interface and powerful, quick-generation tools. ME-QR is also effective when a company requires the use of multiple types of QR codes (e.g., social media, site links, and payment links) under one account. The free version is ideal for creating non-dynamically defined UPI codes, while a paid plan provides high-capacity dynamic codes, analytics to track scan traffic, and geospatial data, helping companies assess campaign outcomes.
Key Features: 50+ Types of QR Codes Supported, Clean Interface (Free), Dynamic Code Creation (Paid) and Tracking Analytics (Paid) and Custom Branding.
Pros: It suits various QR code applications; it is updated; it has strong tracking indicators of remunerated levels.
Cons: Pros such as dynamic codes are paid; security infrastructure is payment-specific, compared to a banking application.
5. goQR.me API
- Website: https://goqr.me/api/
- Pricing: Free (API to generate simple images); Commercial licensing to use on a large scale or enterprise.
goQR.me is not really a front-end solution; it can be better defined as a developer solution, an extremely flexible and dependable QR Code API (Application Programming Interface). The service provides a solution to small-to-medium-sized businesses (SMBs) that would like to create unique and on-demand UPI QR codes in their invoice system, e-commerce checkout sequence, or mobile environment.
A developer can use the API to automatically generate the QR image using dynamic inputs (such as the exact amount in cart and reference number) and does not have to constantly refresh the webpage to do so. The simplified API service is moot and therefore highly clear, when it comes to automated, high-volume, dynamic generation.
Key Features: Developer-Friendly API, Dynamic Image Generation services through URL Parameter, Support of High-Performance Servers, Customization through API Calls, and Encrypted Communication ( HTTPS ).
Pros: Ideal in technical integration and automation; necessary in a dynamic, unique quantity of transactions; high performance and confidence image development.
Cons: Basic code knowledge was needed to carry out the implementation process; it cannot be used by non-technical individuals on an individual basis.
6. CodeQR
- Website: https://codeqr.io/
- Pricing: Free (Open-Source Library).
CodeQR is a massive open-source developer library ecosystem of QR code generators of UPI that are sometimes used by developers as a direct way of adding payment functionality into desktop or internal applications or ad-hoc mobile applications. Being a library, it is not a site generator, but a collection of free, transparent, and auditable code (e.g., JavaScript, Python) that codes the UPI link format into a QR image on the client machine.
This approach would offer the highest level of privacy since no information comes out of the system of the user to that of a third-party server, and there would be total control over the image output and the rate of error correction, which would be ideal to developers who want high-level self-hosted equal.
Key Features: Client-Side Generation (Maximum Privacy), Open and Free-source Code, Full Control over Encoding Options, Existence of no External API-dependence, Integration into Custom Desktops/apps.
Pros: Best user privacy and data control; no continued expenses; best suited to POS (point of sales) system developers or invoice creating tools developers; can be audited in full.
Cons: any programming knowledge is required to implement; non-technical end-users cannot use it, it needs a separate QR library to generate the final image.
7. Razorpay UPI QR Code API
- Website: https://razorpay.com/qr-code/
- Pricing: Quote-Based/Transaction Costs (Merchant Account Mandatory).
Razorpay is a large Indian payment gateway and stands out among professional UPI QR Code Generators for its enterprise-grade, monitored QR code API payment acceptance. This solution is not free like simple utility generators since it uses verified merchant accounts.
Its QR codes are dynamic and fully integrated into Razorpay’s financial ecosystem, allowing businesses to view payment statuses in real time, automatically reconcile transactions, and generate invoices with embedded QR codes. This complexity delivers a high degree of reliability, extensive transaction tracking, and seamless integration with corporate financial reporting systems—making it ideal for large-scale e-commerce platforms and high-volume retail outlets.
Key Features: Payments Status Tracking in real-time, Auto-reconciliation of Payments, built-in Webhooks and APIs, Supports Refunds and Disputes, and Reliability at the Enterprise Level.
Pros: Vital in business that requires automation of accounting; too secure and reliable; smooth integration with e-commerce solutions; management of all lifecycle of transactions.
Cons: It needs a proven business merchant account; it incurs transaction fees (whereas no transaction fees are incurred when transferring individual VPAs); it is not used as personal accounts.
8. RADAAR UPI Payment QR Code Generator
- Website: https://www.radaar.io/free-tools/qr-code-generator/
- Pricing: Free (Basic Customization); Paid subscriptions for advanced features.
RADAAR has a special online device that generates QR codes for UPI payment. It is unique in its extensive visual stylistic and design features, where one can customize the QR code by using various shapes, colors and logos. The generator accepts dynamic payment information (VPA, amount, transaction ID) and has variable quality correction to get high-quality printing. Although the fundamental generation tool is free.
RADAAR is mainly directed at social media managers and marketers who require the establishment of visually appealing payment touchpoints, which perfectly suits their brand aesthetic.
Key Features: Large of Visual Styling (Shapes, Colors, Eye Patterns), Logo Customization, Dynamic payment data input, Adjustable error correction, downloadable to a variety of high-quality formats.
Pros: Betting visual customization capabilities; branding and social media marketing-ready; usable; all UPI deep link parameters.
Cons: The extensive analytics and tracking packages have to be paid with the subscription of RADAAR; might be too complicated with basic and black-and-white non-differentiated codes.
9. Paytm for Business App
- Website: https://paytm.com/
- Pricing: Free (Merchant App); spending money charges can be applicable to some of their services.
Paytm for Business is the ideal merchant product that is mobile-first and generates a UPI QR code in India. The program will be used immediately by small business owners, street vendors and retail stores. The application will enable people to create moving QR codes that read out the effective receipts of money, which is critical in noisy supermarkets.
Besides, it offers transaction history, fund settlement, and features of managing various payment instruments. Although it is bound to Paytm, its broad use among merchants and the lack of difficulties in the creation of amount-related codes make it the gold standard when it comes to quickly and painlessly completing physical transactions.
Key Features: Displaying QR Code Dynamically based on the size of the amount (Amount-Specific), Voice Confirmation of a Payment, Live transaction history, Multi-Language Support, Easy Mobile introduction.
Pros: It is necessary to small merchants and stores with physical shops; voice validation is devoid of fraudulent risks; it is too reliable and is common throughout India; settlement of funds occurs fast.
Cons: First and foremost, it is rooted in the Paytm ecosystem; the features of advanced corporate reconciliation are scarce.
10. PhonePe Business App
- Website: https://www.phonepe.com/
- Pricing: Free (Merchant App); Depending on the transaction fee.
The PhonePe Business App is a significant rival to Paytm and ranks among the most reliable UPI QR Code Generators with a strong mobile-focused merchant solution. It offers a unified system for accepting payments across different UPI applications. The PhonePe app enables dynamic QR generation, detailed monitoring of daily sales, and seamless fund transfers to linked bank accounts.
Its digital reconciliation and in-store sales analytics are as efficient as those of other leading merchant platforms. With a massive user base and a stable backend infrastructure, PhonePe has become an essential tool for businesses handling high volumes of UPI payments, ensuring top-notch security and easy transaction tracking.
Key Features: Dynamic QR code generation, sale/transactions dashboard, hassle-free fund settlement, high merchant acquisition rate, and in-built customer support.
Pros: A good point-of-sale solution; Very reliable and diverse customer base; powerful analytics dashboard solution to small businesses.
Cons: It needs a specific business establishment procedure; it can not be used by non-commercial, individual users.
11. Uniqode (formerly Beaconstac)
- Website: https://www.uniqode.com/
- Pricing: Paid Subscriptions (Tiered pricing for Dynamic QRs, tracking, and enterprise features).
Uniqode is a business solution focused on building, operating, and expanding of a dynamic QR code campaign, including UPI payments. It has received a reputation of sound security compliance (SOC 2, GDPR) and superior features that are required when operating at large volumes.
In the case of UPI payments, companies code the UPI deep link and take advantage of the dynamic capability of Uniqode and update the destination or the payment details after printing, which makes the campaigns relevant in the long run. It is powerful in that it offers a safe, traceable and teamwork platform through which teams can coordinate large quantities of QR codes in different locations and channeling strategies.
Key Features: Real-time editing of dynamic QR Codes, enterprise security and enterprise compliance (SOC 2), scan analytics (location, device), bulk QR codes management and general, high-resolution downloads (SVG and EPS).
Pros: Perfect in large businesses, international workgroups, superior security and standards, very scalable with large-scale creation, comprehensive, sophisticated monitoring and reporting.
Cons: Paid subscription model has a high barrier of entry, does not meet simple personal/individual applications, UPI payment is included into a larger suite of marketing tools, and is not a payment gateway.
12. Scanova QR Code Generator
- Website: https://scanova.io/
- Pricing: Paid Subscriptions (Free trial available; required for customization and dynamic features).
Scanova is a professional QR Code generator that is aimed at professional marketers and campaign management teams. Although it can produce code with numerous applications, the fact that it supports UPI payments (coding the deep link) is combined with the developed emphasis on branding and campaign performance measurability.
Scanova focuses on easy-to-use customization measures to make the purchase code more visually prominent, and a powerful analytics dashboard to monitor the offline-to-online conversion rates induced with the help of the payment codes. It is placed on teams, which have to incorporate QR codes into large-scale print and online marketing.
Key Features: Similar to other WeChat ERP systems, the service is based on dynamic QR codes that allow editing content, an in-depth tracking and analytics dashboard, high-quality printable formats, workflow-specific API, powerful design and branding (frames, custom patterns).
Pros: Best suited to campaign-based marketing teams, well-developed visual branding and design choices, properly developed API support to programmers, readily integrated with UTM parameters to web analytics.
Cons: Free level consists of the inability to create own codes but fix them as a static, no ability to customize, paid subscription allows dynamic and tracking options, in other words, it is primarily a QR content app rather than an entire payment reconciliation service.
13. Easebuzz UPI QR Code Generator Tool
- Website: https://easebuzz.in/
- Pricing: Transaction fees / Quote-Based (Merchant account mandatory).
Easebuzz is a dedicated Indian payment aggregator that ranks among secure and enterprise-ready UPI QR Code Generators, offering an integrated UPI QR code solution designed for business efficiency. Its QR codes are fully embedded within the Easebuzz payment gateway, enabling automatic settlements, reconciliations, and detailed transaction reporting through the merchant dashboard.
Easebuzz provides dynamic and branded QR options, making it ideal for businesses that demand high levels of payment security (PCI-DSS compliant) and a stable financial framework, while also supporting multiple payment methods beyond UPI.
Key Features: RBI and PCI-DSS-compliant, extraction and probing of reconciliation and settlement, dynamic and branded QR, numerous multi-locations and multi-user administration, comprehensive business insight dashboard.
Pros: The security is high, and all regulations are followed, with full integration with payment gateway options, immediate settlement, and automatic reconciliation, and high payment methods in addition to UPI.
Cons: It needs a validated merchant account, a charge per transaction (not free like VPA utilities), and is not favorable to a non-business/non-personal application.
14. Cashfree Payments UPI Solutions
- Website: https://www.cashfree.com/
- Pricing: Transaction Fees / Quote-Based (Merchant account mandatory).
Cashfree Payments has presented large-scale UPI QR solutions based on their Auto Collect and payment gateway products, which are designed to help to simplify payment collection and payment reconciliation on a large scale. With Cashfree, one can design individual, virtual UPI IDs or QR codes on a per-branch, customer or invoice basis.
The greatest advantage is that it will automate the reconciliation of payments received because the transactions through the unique QR codes will be tagged and matched automatically with the source or invoice in the system of merchant. It is a developer-oriented and business-backed solution aimed at companies whose level of transactions and accounting requirements is complex.
Key Features: Virtual UPI IDs / QR to enable automated reconciliation, the presence of REST APIs developer-friendly, payment status notifications through webhook, multi-nodal / branch collection support, and UPI AutoPay (recurring payments) support.
Pros: Ideal automation with large-scale reconciliation, a massive decrease in manual accounting mistakes, a high level of reliability in the work of large businesses, the ability to use sophisticated UPI features, such as AutoPay and deep integration.
Cons: Technical and API-based, it needs to be integrated with a merchant account and technical code, is not a simple front-end tool to generate code quickly or use, and charges are levied on transactions.
15. DaySchedule UPI QR Code Generator Tool
- Website: https://dayschedule.com/tools/upi-qr-generator
- Pricing: Free (Basic Utility); Premium plans for integrated scheduling/appointments.
DaySchedule is a free and independent utility tool with identical capabilities to generate UPI QR codes to Labnol, only without other features, except it is an ecosystem of scheduling and appointment booking. In the case of service providers (e.g., consultants, tutors), it can create dynamic QR codes that automatically pre-fill the price of payment price according to a booked service or appointment.
Simplifying the work of paying the client and combining it with the scheduling processes. The basic generator is free and basic, and the enhanced, integrated generation needs a premium subscription.
Key Features: Free, basic UPI code generation, included with appointment/scheduling software, may build amount-specific QRs based on booked services (Premium), and supports all of the standard UPI deep link parameters.
Pros: Great niche device of service providers and freelancers, easy and quick generation, built-in payment collection of appointments, free basic utility.
Cons: High functionality is paid, integrated, no visual editing on the free generator, no independent tracking, and no API or even API see, no visual editing.
UPI QR Code Generators Comparison Table
| Platform | Pricing Model | Best For | Dynamic Amount Pre-fill | Logo/Branding Customization | API Access for Automation | Transaction Tracking (Analytics) |
| 1. Digital Inspiration (Labnol) | Free Utility | Individual/Personal Use | Yes | No | No | No |
| 2. QR Code Generator (QRStuff) | Free / Paid Tier | Professional Print/Branding | Yes (Manual Link) | Yes | No | Yes (Paid Tier) |
| 3. QRCodeChimp | Free / Paid Tier | Visual Branding & Bulk Creation | Yes | Yes (Advanced) | No | Yes (Paid Tier) |
| 4. ME-QR Code Generator | Free / Paid Tier | Multiple QR Types & Management | Yes | Yes | No | Yes (Paid Tier) |
| 5. goQR.me API | Free API | E-commerce/Invoicing Automation | Yes (API Call) | Yes (Core Service) | No | No |
| 6. CodeQR – Open Source Library | Free (Open Source) | Custom App/Desktop Integration | Yes (Via Code) | No | No | No |
| 7. Razorpay UPI API | Transaction Fees | Enterprise Payment Reconciliation | Yes | Yes | Yes (Webhooks) | Yes (Real-time) |
| 8. RADAAR UPI Payment QR Code Generator | Free / Paid Tier | Visual Styling & Custom Design | Yes | Yes | No | No |
| 9. Paytm for Business App | Free (Merchant App) | Physical Retail/Mobile Merchant | Yes | Yes | No | Yes (Voice/Mobile) |
| 10. PhonePe Business App | Free (Merchant App) | Real-time Sales Analysis | Yes | Yes | No | Yes (Mobile Dashboard) |
| 11. Uniqode (formerly Beaconstac) | Paid Subscriptions | Large Enterprises/Security | Yes | Yes (Branding/Frames) | Yes (Bulk/API) | Yes (Advanced) |
| 12. Scanova QR Code Generator | Paid Subscriptions | Marketing/Campaign Tracking | Yes | Yes (Advanced) | Yes | Yes (Advanced) |
| 13. Easebuzz UPI QR Code Generator | Transaction Fees | Secure, Compliant Business Payments | Yes | Yes | Yes | Yes (Reconciliation) |
| 14. Cashfree Payments UPI Solutions | Transaction Fees | Automated Large-Scale Reconciliation | Yes (Via Auto Collect) | Yes | Yes (REST APIs) | Yes (Real-time) |
| 15. DaySchedule UPI QR Code Generator | Free / Paid Tier | Service Providers/Appointments | Yes (Integrated) | No | No | No |
Conclusion
The rise of UPI QR Code Generators has transformed the way individuals and businesses in India—and increasingly around the world—handle digital transactions. These tools have evolved from basic utilities to advanced, enterprise-grade solutions that combine automation, analytics, and branding. Whether it’s a freelancer using simple static QR codes or an enterprise deploying dynamic, API-powered systems for large-scale reconciliation, the flexibility of UPI QR codes ensures secure and instant payments for everyone.
As the global acceptance of UPI expands, the demand for reliable, customizable, and compliant QR code generators will continue to grow. Businesses should focus on solutions that align with their operational size, technical capacity, and compliance needs, while individual users can rely on free tools for quick and secure peer-to-peer payments. Ultimately, the future of payments is contactless, transparent, and instant—and the UPI QR Generator Tool stands at the forefront of this financial revolution.
FAQs
1. What Is a UPI Deep Link, And What Features Are Provided By The QR Code?
The UPI Deep Link is a standard form of URL (upi://pay?pa=…) in which the payment details of the recipient are stipulated. This link is encapsulated as a visual coding of a QR code. It has significance since this association lets any UPI-compatible app identify the payment demand instantly and auto-complete the information.
2. Dynamic Vs Static UPI QR Hospitality Code?
Statics QR Code: Codes VPA and Name of the recipient only. The payer is required to type in the amount. (Good for simple display.)
Dynamic QR Code: Codes the VPA, Name, and the amount it was the transaction. The amount field is automatically pre-filled when scanned, and this eradicates errors and promotes quick checkout.
3. Do I Require My Special App To Scan the UPI QR Code?
No. The payment can be scanned and processed by any app that supports UPI (PhonePe, Google Pay, BHIM, Paytm, and most major bank apps) because all the apps are based on a standard common UPI procedure at NPCI.
4. Do You Require A Merchant Account In Order To Create a UPI QR Code?
No, not some fixed code or value-level code. Any user holding a VPA (Virtual Payment Address) that has to be attached to a bank account can make a QR code with a free utility tool. Automated tracking, advanced reconciliation, and certain business facilities are necessitated by merchant accounts (such as Razorpay).
5. Why Do We Have General Otherwise Called API Access Generators?
API access is for automation. It enables business organisations to consider QR code generation as an extension of an e-commerce webpage, a POX (Point of Sale) terminal or invoicing software. The API automatically creates a special QR code that the customer is charged with upon checkout.