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upi:// link + QR + GPay/PhonePe/Paytm buttons
Your UPI QR appears here
Enter a valid UPI ID and payee name to generate the link.
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Browse Finance TemplatesA UPI payment link turns your UPI ID into a one-tap collect request. Instead of dictating your VPA and an amount, you share a link or QR that opens the payer’s app with everything pre-filled. This maker builds the NPCI-standard upi:// deep link, a scannable QR, and app-specific buttons for Google Pay, PhonePe, Paytm and BHIM — entirely in your browser, with nothing sent to a server.
Every UPI collect link follows the NPCI deep-link specification: upi://pay?pa=VPA&pn=PayeeName&am=Amount&cu=INR&tn=Note. The payee address (pa) and payee name (pn) are required; amount (am) and note (tn) are optional. Spaces are percent-encoded so app parsers read the values correctly.
The QR code is the same string rendered as a matrix using the qrcode library in your browser — any UPI app can scan it. The app buttons swap the scheme: Google Pay understands tez://upi/pay, PhonePe uses phonepe://pay, Paytm uses paytmmp://pay, and BHIM plus every bank app handles the generic upi://pay. These schemes only resolve on a device where the app is installed, which is why the buttons are labelled for mobile.
Because the amount is embedded in the link, a fixed-price link shows the exact figure in the payer’s app; an amount-less link lets them type any value.
A freelancer adding a UPI QR to an invoice so clients scan and pay the exact amount without copying bank details.
A small shop printing a fixed-amount QR at the counter for a popular ₹ price point to speed up checkout.
A creator sharing an amount-less donation link in a bio so supporters can tip any amount.
An event organiser sending a WhatsApp message with a pre-filled UPI link for ticket collection.
Scope note: This tool builds static UPI links — the amount and note are fixed at creation time and cannot change after sharing. It does not verify that the UPI ID exists or is active, so always test your own link before circulating it. App deep links only open on phones with that app installed; on desktop use the QR or copy the upi:// link. WOWHOW never sees or stores your UPI details.
Disclaimer: This calculator is for informational and educational purposes only and does not constitute financial, tax, or legal advice. Results are estimates based on publicly available tax slabs and formulas. Consult a qualified Chartered Accountant, tax professional, or financial advisor for guidance specific to your situation. Built and maintained by the WOWHOW Team with 14+ years of software development experience.
Enter your UPI ID (VPA), e.g. yourname@okhdfcbank
Add the payee name — and optionally a fixed amount and note
Scan the generated QR with any UPI app, or copy the upi:// link
On a phone, tap Google Pay, PhonePe, Paytm or BHIM to open it directly
About the UPI Payment Link Maker
Enter your UPI ID (VPA) and payee name. The tool builds an NPCI-standard upi://pay?pa=…&pn=…&am=…&cu=INR&tn=… deep link plus a scannable QR. Optionally pre-fill the amount and a note.
Yes. A UPI ID (VPA) is a receiving address, like an email for payments — it only lets people send you money, never withdraw it. The link and QR are generated in your browser and nothing is uploaded.
On a phone, the app buttons use each app’s scheme (tez:// for Google Pay, phonepe://, paytmmp://, upi:// for BHIM) to open that app with your details pre-filled. On desktop, share the QR code or the upi:// link instead.
Yes. Leave the amount empty to let the payer enter any amount — useful for donations or open collections. Add a fixed amount for invoices or set prices.
Yes. It encodes the official NPCI UPI deep link format, so it scans in Google Pay, PhonePe, Paytm, BHIM and every UPI-compliant bank app.
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