Generate UPI Link Online

Build a valid UPI payment link by entering your VPA, payee name, and amount. The link is constructed instantly in your browser — nothing is sent to any server. Share it directly or embed it in your app or invoice.

Enter a valid UPI ID above to generate a link and QR code.

What is a UPI payment link?

A UPI payment link is a URI that follows the upi://pay scheme defined by NPCI. It encodes all the information needed to initiate a payment — the recipient's Virtual Payment Address (VPA), the amount, and a reference note — into a single shareable string or QR code. Tapping this link on a smartphone opens any installed UPI app with the payment details pre-filled.

Why generate UPI links programmatically?

Developers building invoicing systems, checkout pages, or donation portals often need to generate UPI links dynamically for each transaction. Understanding the URI structure allows you to construct these links in your own codebase without depending on third-party payment SDKs for link generation.

How to generate a UPI link step by step

  1. Enter the payee UPI ID in the pa field (e.g. john@okicici)
  2. Add the payee display name (pn) — optional but recommended
  3. Enter the fixed amount in INR, or leave blank for open amount
  4. Add a transaction note (tn) and optional reference ID (tr)
  5. Copy the generated UPI URI or specific app deep link

UPI URI structure explained

A UPI URI looks like: upi://pay?pa=merchant@bank&pn=Name&am=100&tn=Note&cu=INR. Each query parameter maps to a NPCI-defined field: pa (payee address), pn (payee name), am (amount), tn (transaction note), tr (transaction reference), and cu (currency, always INR).

Frequently Asked Questions

Is my UPI ID or payment data uploaded?

No. The entire URI is constructed in your browser using JavaScript. No data is sent to any server or third party.

Can I use this link in a WhatsApp message?

Yes. The standard UPI URI can be shared via any messaging app. On Android, tapping it opens the user's default UPI app. iOS support depends on the installed app.

Does this tool generate dynamic UPI links?

This generates static UPI URIs with the parameters you provide. For transaction tracking and reconciliation, your own backend should assign unique transaction references.

Is it free to generate UPI links?

Yes, completely free.

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