India QR Code Payment
UPI QR: powering the world's largest real-time payment network
UPI By The Numbers
🔄
10B+
Monthly transactions
🏦
500+
Banks on network
👥
350M+
Active users
💰
₹1 Lakh
Max per transaction
🌍
46%
Of global real-time payments
✅
0%
Fee for consumers
How UPI QR Works Technically
- Format: UPI Deep Link (
upi://pay?...) - Parameters: pa (payee address), pn (name), am (amount), cu (currency), tn (note)
- No EMV format – UPI uses its own URL scheme
upi://pay?pa=merchant@okhdfc&pn=Shop&am=100&cu=INR
| Parameter | Example | Required |
|---|---|---|
| pa | merchant@okhdfc | ✅ |
| pn | Raj Stores | ✅ |
| am | 150.00 | ❌ |
| cu | INR | ❌ |
| tn | Invoice001 | ❌ |
| mc | 5411 | ❌ |
| tr | TXN001 | ❌ |
UPI vs EMV QR Standards
| Feature | UPI QR | EMV QR (PIX/QRIS) |
|---|---|---|
| Format | URL (upi://pay?) | TLV binary |
| Standard | NPCI proprietary | EMV international |
| CRC check | ❌ | ✅ |
| Cross-border | Via API | Native |
| Adoption | India | Global |
Static vs Dynamic UPI QR
| Static | Dynamic | |
|---|---|---|
| Amount | Not set | Pre-filled |
| Reference | Not set | Included |
| Use case | Shops, stalls | Invoices, checkout |
| Reusable | ✅ | ❌ one-time |
UPI QR Logos in India
What to look for:
- • BHIM UPI logo (blue)
- • PhonePe logo (purple)
- • Google Pay logo
- • Paytm logo
- • "Scan & Pay" text in Hindi/English
Generate a UPI QR Code
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