Turn a UPI ID into a payment link and QR code, built on the official NPCI UPI deep-linking specification (upi://pay). No gateway, no cut - money moves directly between the payer's and payee's bank apps.
Demo tool on the test hub. This page never touches money - it only builds the standard upi://pay link your own UPI app consumes. Always confirm the payee UPI ID before sharing a link.
Format: handle@provider. Checked for shape only - the page cannot verify the account exists.
Per the NPCI spec, a link with a fixed amount is not editable by the payer.
0/150
The spec calls this tr - the reference you reconcile against later.
upi://pay with pa (payee VPA, mandatory) and pn (payee name, mandatory), plus optional am, tn, tr and cu.pa=you@upi) - only characters that would break parsing (space, &, #, %, +, =) are encoded. Verified against BHIM, which does not URL-decode parameters.upi://pay link has no expiry mechanism. (Hosted services that offer expiring links enforce that on their own redirect servers.)