Free UPI Payment Link Generator
Make a UPI payment link you can send on WhatsApp. It opens the payer's UPI app with your details already filled in. No account, nothing stored.
Your payment link
Opens a UPI app on a phone. On a computer it does nothing — send it to the payer.
Enter the UPI ID that should receive the money, and your link appears here.
Printing it for a counter? The UPI QR code generator makes a full poster with the payment apps on it.
The link is built in this browser. PayMQR never receives your UPI ID, the amount or the note, and the link points straight at UPI — there is no redirect through us and nothing to expire.
A link asks for money. It cannot tell you the money arrived.
Once the payer opens this link, the transfer goes from their bank to yours and no generator can see it. Matching the screenshot they send you against what you actually asked for stays your job.
PayMQR is built for that part. A payment link or hosted checkout makes a record for every request, collects the customer's screenshot on the page they paid from, and checks it against the amount and destination the request was created with.
- One record per request, with its own reference
- The payer uploads their screenshot where they paid
- Amount and destination checked against the request
- Paid, pending and failed, in one list
What a UPI payment link is
It is a line of text, not a web page:
upi://pay?pa=ramesh@okaxis&pn=Ramesh%20Traders&am=450.00&cu=INRThe UPI ID the money goes to (pa), the name the payer sees (pn), the amount if you set one (am), the currency (cu), and optionally a note (tn) and a reference (tr). Nothing else — no account number, no phone number, nothing about whoever opens it.
Where it works, and where it does not
On a phone with a UPI app installed, tapping it opens that app with your details filled in. On a computer it does nothing at all: there is no app to hand it to. So the link is for sending — WhatsApp, SMS, email, a chat — and the QR card below it is for when the payer is standing in front of you.
Why there is no short link
Because you would not be able to read it. upi://pay?pa=ramesh@okaxis&am=450.00 says where the money is going and how much; a shortened version says nothing, and the person you are asking for money has no way to check it before paying.
A short link would also have to run on somebody's server — ours — which would mean your UPI ID and amounts passing through it. Nothing you type on this page reaches PayMQR, and that is only true because there is nowhere for it to go.
What the note and reference are for
The note is what the payer sees in their app next to the payment, up to 50 characters: Invoice 214, Table 6, February rent. The reference is your own identifier for the request, up to 35 letters, digits and hyphens, and it comes back on the transaction so you can match it later.
Neither is a guarantee. Some apps let the payer edit the note, and a reference only helps if you kept a list of what you sent.
Does the link expire?
No. It is not stored anywhere, so there is nothing to expire or revoke — it keeps working for as long as that UPI ID does. If you need a request that closes once it is paid, or that stops being payable after an hour, that is a hosted checkout rather than a link.
Is it safe to send?
A UPI ID is safe to share — it is how people are paid, like a phone number. What a link cannot do is prove it came from you, so a payer who was not expecting it should check the name and the UPI ID before paying. That is exactly why this tool shows the whole link rather than hiding it.
How to make a UPI payment link
- Type the UPI ID that should receive the money.
- Add an amount and a note if you want them filled in.
- Copy the link and send it, or print the card.