Free Payment QR Code Generator — UPI, PayNow & More
Create payment QR codes that let customers pay you instantly using India's UPI, Singapore's PayNow, Malaysia's DuitNow, and other regional payment systems. Zero transaction fees on your QR code creation.
How to Create a Payment QR Code
Payment QR codes enable instant digital payments using regional payment rails. Unlike credit card POS terminals, payment QR codes require no hardware — just print the QR code and display it. Customers scan with their bank app or payment app, enter the amount (or it's pre-filled), and the money arrives in seconds.
UPI (India): The most widely deployed QR payment system globally, with over 300 million monthly active users. At qrcodetechy.com/generator, select "UPI" type. Enter your UPI ID (format: yourname@upi, mobilenumber@paytm, or mobilenumber@ybl). Add your merchant name and optionally pre-fill an amount for fixed-price items. The generated QR is interoperable with all UPI apps: PhonePe, Google Pay, Paytm, BHIM, Amazon Pay.
PayNow (Singapore): Singapore's real-time payment system operated by ABS. Enter your PayNow-linked mobile number (format: +6591234567) or NRIC/UEN for businesses. PayNow QR codes are interoperable across DBS, OCBC, UOB, Maybank, and all major Singapore banks. Transactions settle in real-time, 24/7.
DuitNow (Malaysia): Bank Negara Malaysia's real-time payment system. Enter your DuitNow ID (mobile number, NRIC, or business registration number). Supported by Maybank, CIMB, Public Bank, RHB, and all major Malaysian banks. DuitNow QR uses EMVCo QRCPS standard for cross-bank interoperability.
Design for Payment Context: Payment QR codes must convey trust. Use your business logo, official brand colors, and add your business name prominently near the QR. Display the accepted payment apps' logos below. A laminated, professionally printed payment QR on the counter is significantly more trustworthy than a printed paper one.
Security Note: Never share your payment QR code in a way that allows others to modify it. Print directly from the generator. Be aware of QR code substitution fraud — fraudsters place their own QR sticker over legitimate merchant QR codes. Use a protective laminate and inspect your displayed QR regularly.
Technical Standards by Region
UPI Deep Link Format (NPCI, India)
Format: upi://pay?pa=[UPI_ID]&pn=[Merchant_Name]&am=[Amount]&cu=INR&tn=[Note]. The pa parameter is the payment address (UPI ID). Amount is optional — leaving it blank lets customers enter any amount.
PayNow / DuitNow (EMVCo QRCPS)
Both use the EMVCo QR Code Payments Specification (QRCPS). The payload is a structured TLV (Tag-Length-Value) encoded string containing merchant ID, currency code, country code, and CRC checksum. This differs from simple URL encoding.
Error Correction Level
Set to Level M (15%) for payment QR codes without logos. If adding a logo, use Level H (30%). Payment apps are optimized for fast QR scanning under various lighting conditions — higher error correction ensures reliability in dimly lit restaurants or outdoor markets.
Print Specifications for Merchant Display
Minimum counter display: 8cm × 8cm. The larger the QR, the faster it scans in real-world payment scenarios where customers hold phones at arm's length. Use SVG export for perfect quality at large print sizes.
High-Resolution Download Options
PNG
2048×2048px for digital menus, invoice PDFs, e-commerce checkout pages, and WhatsApp payment requests.
SVG
For counter displays, menu boards, window decals, receipt footers, and large-format print.
For professional laminated counter displays, invoices, and payment instruction documents.