Dynamic UPI QR code generator
What is an Upi Qr Generator?
Generate Locked Fixed-Amount UPI QR Codes & Deep Links
Standard static UPI QR codes (like printed shop counter stands) only contain the merchant VPA. When a customer scans them, they have to manually type the payment amount, leading to frequent typos, delayed verification, and Cash on Delivery (COD) collection discrepancies.
A Dynamic Amount UPI QR Code embeds the exact payable rupee amount, transaction reference ID, and order note directly inside the QR code. When scanned with Google Pay, PhonePe, Paytm, BHIM, or Navi, the amount field is pre-filled and locked - preventing customer tampering.
Official NPCI URI Specification
Our generator creates strictly compliant National Payments Corporation of India (NPCI) deep links following the URI scheme:
upi://pay?pa=merchant@upi&pn=DevDesk+Store&am=499.00&tr=ORD101&tn=Order+ORD101&cu=INRpa: Payee Virtual Payment Address (e.g.,store@iciciorbiz@okhdfcbank).pn: Legal business or individual payee name.am: Exact payment amount formatted strictly to 2 decimal places (e.g.,499.00).tr: Unique merchant order ID or transaction reference for automated reconciliation.tn: Note displayed on the customer's bank statement.cu: Currency code, strictlyINR.
Automation with n8n & WhatsApp Workflows
You can embed dynamic UPI QR codes directly into your automated customer notifications. When an order is placed on Shopify or WooCommerce, an n8n workflow or webhook triggers a message to the buyer on WhatsApp with their custom locked payment QR code attached.
Related Tools & Payment Resources
- Internal Utilities: Standard QR Code Generator | URL Encoder & Decoder | Percentage Calculator
- Official Banking Authorities: National Payments Corporation of India (NPCI) | Reserve Bank of India (RBI) Digital Payments
Frequently Asked Questions: Dynamic Amount UPI QR Codes & NPCI Standards
Can a customer change the payment amount after scanning this QR code?
No. When the "am" parameter is specified in the NPCI UPI deep link, banking apps like Google Pay and PhonePe automatically lock the amount field to ensure the customer cannot underpay.
Are transaction fees or gateway charges deducted from UPI payments?
No. Standard peer-to-peer (P2P) and peer-to-merchant (P2M) UPI transfers settle directly bank-to-bank with zero merchant gateway commission (0% MDR under current Indian regulatory mandates).
What is the maximum transaction amount allowed for a dynamic UPI QR code?
NPCI guidelines permit up to Rs. 1,00,000 per transaction for standard merchant UPI transfers. For verified educational institutions and healthcare providers, the limit is up to Rs. 5,00,000.
How can I integrate this into an n8n automated workflow?
Copy the ready-to-use n8n Code Node snippet provided in the tool tab. Paste it into your workflow to calculate dynamic amounts and generate base64 QR codes directly inside automated emails or WhatsApp triggers.
Which UPI payment apps support this QR code format?
All NPCI-certified UPI apps support this format, including Google Pay (Tez), PhonePe, Paytm, BHIM UPI, Amazon Pay, Navi, Cred, and official mobile banking apps from HDFC, ICICI, SBI, and Axis Bank.
Can I download the QR code in high definition for print invoices?
Yes. Click "Download HD QR (PNG)" to save a 1024x1024 pixel high-resolution image suitable for thermal receipt printers, PDF invoices, and packing slips.