Payments
Fixed-amount UPI QR codes, explained
A UPI QR code that already contains the amount saves your customer from typing it and saves you from collecting the wrong sum. Here is what it can and cannot guarantee.
By the CALQEVA editorial team2 min read
What a UPI QR code contains
A UPI QR code is a picture of a short payment link in a standard format that every UPI app understands. It includes your UPI ID, the name to show the payer and the currency, and can optionally include an amount and a note. When someone scans it, their app opens a payment screen with those details filled in, and they only enter their PIN.
Static, fixed-amount and dynamic QR codes
There are three kinds, and they suit different situations:
- Static QR without an amount: the familiar shop sticker. The payer types the amount each time.
- Fixed-amount QR: the amount is part of the code. Ideal for set prices such as a monthly fee, a ticket or an invoice.
- Dynamic QR: created by a payment provider for each transaction, often on a billing machine. These are tied to a specific order and confirm payment automatically.
Can the payer change the amount?
Most UPI apps show the amount from a fixed-amount QR as locked. However, each app decides how to treat it, and a few allow the payer to edit the amount on personal UPI IDs. If you need an amount that cannot be changed under any circumstances, ask your bank or payment provider for a merchant QR, which is digitally signed for your business.
For everyday uses, such as a tutor collecting fees or a stall with fixed prices, a fixed-amount QR removes almost all typing mistakes.
Making one
Open the UPI QR Code Generator, enter your UPI ID exactly as it appears in your UPI app, the name payers should see, the amount and an optional note such as an order number. Scan the result once with your own phone to check the name and amount, then download the printable payment card or share the image on WhatsApp.
For anything that is not a payment, such as your shop's location, menu link or Wi-Fi password, use the regular QR Code Generator.
QR codes on invoices and WhatsApp bills
Freelancers and small businesses can add a fixed-amount QR to every invoice, so the client pays the exact amount by scanning the PDF on another screen. Put the invoice number in the note, download the QR image, and place it on the invoice with the Image button in Edit PDF.
The note travels with the payment and appears in your UPI app's transaction history, which makes it much easier to match payments to invoices at the end of the month. Use a short, unique note for each bill, such as INV-1042.
Staying safe with QR payments
QR codes are convenient, and the common scams are simple to avoid once you know them:
- You never need to scan a QR code or enter your PIN to receive money. Anyone asking you to do so is attempting fraud.
- Confirm payments in your own bank or UPI app, not from a screenshot shown by the customer.
- Check your printed QR at the counter occasionally; fraudsters sometimes paste their own sticker over a shop's code.
- As a payer, check that the name shown before you enter your PIN is the one you expect.
- Decline any UPI collect request you were not expecting. Approving one with your PIN sends money out of your account; it is never a way to receive money.
Try it with your own numbers
- UPI QR Code GeneratorTrendingUPI payment QR with a fixed amount, so the payer scans and pays exactly what you set. Works with GPay, PhonePe and Paytm.
- QR Code GeneratorHotFree QR codes for links, text, Wi-Fi, phone numbers and email. Custom colours, PNG and SVG download.
- GST CalculatorAdd or remove GST and split it into CGST, SGST or IGST.
Keep reading
- GST basics for a small businessWhat CGST, SGST and IGST mean, how inclusive pricing works, and the arithmetic mistakes that show up most often on invoices.
- How to sign a PDF on your phone without printingAdd your signature to an offer letter, agreement or form on your phone, fill in blanks, correct a date, and know when an image signature is not enough.