UPI QR Codes Explained: NPCI Standards, Deep Links, and Zero Transaction Fees

1. The NPCI UPI URI Specification

National Payments Corporation of India (NPCI) defines the exact URI scheme for UPI payments:

upi://pay?pa=merchant@upi&pn=MerchantName&am=150.00&cu=INR

When scanned on any Indian smartphone, this deep-link triggers native payment apps like Google Pay, PhonePe, Paytm, and BHIM.

2. Mandatory & Optional Parameters

• pa: Payee VPA address (e.g. store@okaxis). Mandatory.
• pn: Payee Name. Mandatory.
• am: Transaction amount. Optional.
• cu: Currency (INR). Mandatory.
• tn: Transaction note or invoice reference. Optional.

3. P2P vs. P2M Merchant Accounts

Generate clean, static payment codes on our UPI QR Code Generator for free countertop payment collection.

4. Frequently Asked Questions

Does QRPoint take a commission on UPI payments?
Zero commission! QRPoint generates standard static QR codes encoding your exact VPA directly.