How to Create a Free UPI QR Code for Your Business (No Charges)

Why UPI QR Codes are Essential for Indian Businesses

Unified Payments Interface (UPI) has revolutionized the retail payment landscape in India. From small street vendors to large supermarkets, accepting payments via UPI has become a necessity.

Unlike credit card machines that charge a 1.5% to 3% Merchant Discount Rate (MDR), UPI transactions are 100% free with 0% MDR charges for merchants. This means every rupee paid by your customer goes directly into your bank account.

Key Benefits of UPI QR Codes:

• Instant Settlement: Money is deposited directly into your linked bank account in real-time.
• Zero Commission: No setup fees, no monthly rentals, and 0% transaction fees.
• Universal Acceptance: Your customers can scan the same QR code using Google Pay, PhonePe, Paytm, BHIM, or any bank UPI app.
• Contactless & Secure: Hygienic, safe, and reduces the hassle of managing cash and loose change.

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Step-by-Step Guide to Creating a UPI QR Code

Creating a personalized payment QR code for your shop or website is incredibly simple. You do not need to register or upload any documents. Just follow these simple steps using our free QR Code Generator:

Step 1: Open the Generator

Go to the QR Code Generator tool page on PublicityKaro.

Step 2: Choose 'UPI Payment'

In the type selector at the top of the tool, click on the UPI Payment button.

Step 3: Enter Your Merchant Details

Fill in the following fields:

1. Merchant UPI ID: Enter your virtual payment address (VPA), such as yourname@okaxis, username@ybl, or phone-number@paytm. Make sure this is correct, as payments will be routed directly to this ID.
2. Merchant Name: Enter your shop name or business name (e.g., Sharma Grocery Store). This name will appear on the customer's phone screen when they scan the QR.
3. Amount (Optional): If you want to collect a fixed amount (e.g., for a specific bill or flat rate), enter it here. Leave it blank if you want the customer to type their own payment amount.

Step 4: Customize the Style (Optional)

Make your QR code stand out! You can customize:

• Colors: Change the dot color to match your brand style (e.g., deep blue or green).
• Dot Shape: Choose between circle, rounded, or standard square pixels.
• Branding Logo: Select the central UPI preset logo to let customers know they can scan it with any payment app.

Step 5: Download and Print

Click the Generate button, then download the QR code as a high-resolution PNG or vector SVG. Vector SVG is recommended if you plan to print it on a large banner or acrylic standee for your shop counter.

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How to Display Your UPI QR Code to Customers

Once downloaded, you can print the QR code and display it strategically to maximize digital collections:

1. At the Billing Counter: Print and place it in an acrylic standee right next to the cash box.
2. On Table Tops: If you run a restaurant or cafe, print smaller QR stickers and stick them on each table so customers can pay directly from their seats.
3. On Invoices & Bills: Embed the QR code directly onto digital or printed invoices.
4. On Your Website & Social Media: If you sell online, display the UPI QR on your checkout page or pin it on your Instagram profile.

Start accepting free payments today! Head over to our Free QR Code Generator and create your UPI QR code in under a minute.