February 19, 2025 · 12 mins read
Santosh Kumar
Coin has replaced cash, making it easier for people to transfer money instantly. UPI QR is one of the most essential tools of the digital ecosystem , where individuals and businesses receive payments easily over UPI without exposing unnecessary banking details. 99.9% of all digital peer-to-peer transactions in India are UPI payments. Whether you are a businessman or a commoner, sharing a UPI QR code is the best option for fast and smooth transactions in the business world.
UPI QR Code is a scannable, readable Quick Response (QR) code comprising your Virtual Payment Address (VPA) or the bank details associated with your UPI ID. It auto-fills all the important details, and people can instantly send you money without manually entering your phone number or UPI ID.
If someone scans your UPI QR Code from a UPI app like Google Pay, PhonePe, Paytm, or BHIM UPI , they are directly transferring money to your linked bank accounts.
Static QR codes: Pre-created codes to receive any kind of donation.
Dynamic QR codes gst: are generated for unique transactions that have constant amounts.
Fast & Easy Transactions: No manual number or UPI ID entry.
Mistake-Free Payments: Prevents entering payment-related information incorrectly.
Safe & Secure: Your bank particulars are only visible to you.
Supports All UPI Apps: Google Pay, Paytm, PhonePe, BHIM, etc.
Suitable for Businesses & Individuals: Shop owners, freelancers, splitting bills with friends — no problem!
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GooglePay: Tap on app → Tap on Profile → Tap on UPI QR Code → Share or Save
PhonePe: Click on Profile → My QR Code → Share it
Paytm: Click on Profile → QR Code → Download & Share
Shine: Tap Avatar Icon → View QR Code → Share it
Shops & Businesses: Take prints and display them for customers to pay for them easily.
Freelancers & Service Providers: Bond delivers quick payments for your work.
Personal Payments: Send & receive money from friends & family.
Online Selling: Send your QR Code through WhatsApp, Email, or Social Media.
A UPI QR Code is the quickest and safest method for receiving digital payments! Whether you are a business owner wanting to make things easy," UPI QR Codes make it easy to collect money.
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Here's what happens when you share your UPI QR Code:
Fast & Simple: No need to type in phone numbers or UPI IDs.
Error-Free: Errors in payment details don't happen.
Safe: Your bank details are kept private.
Flexible: Share on WhatsApp, Email, SMS, or print to use offline.
Market share: 34% in UPI transactions in India.
Highlights: UPI transactions, bill payments and rewards.
Reason for Popularity: Easy interface, fast transactions, and great cashback offers.
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Market share: 11% of UPI transactions in India.
Important features: UPI payment, recharge, investment and insurance.
Reason for popularity: there are lots of merchants implementing it and cashback sales/rebates are held often.
Market share: UPI transactions in India 11%.
Important characteristics: UPI payments Wallet, bill payments, & Paytm for Business Services.
Reason for Popularity: Provides wallet-based payments as well as UPI integration.
Market share: 2% of UPI transactions in India.
Key features: A simple-looking, government-backed app with UPI integration.
Reason for popularity: Dependable for first-timers and small merchants.
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This service is part of suit of services offered by a Multinational Technology Company, USA-based, known by its parent company for doing many other stuff, Google Pay, owned by Alphabet Inc. 2015: It was first launched in 2015 and rebranded once more in 2018, bringing Android Pay and Google Wallet under one roof.
Step-by-Step Guide:
1: Open the Google Pay app on your phone.
2: Click on your Profile Picture in the top right.
3: Choose "Bank Account & UPI ID".
4: Balance, click on "QR Code".
5: You will now see your UPI QR code.
6: From there, tap Share > WhatsApp, Email, SMS or save image
7: Now, anyone can open this code and pay you where they want
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Another Digital platform that is popular in digital payment is PhonePe, which was founded by Sameer Nigam, Rahul Chati and Burzin Engineer, It is built on UPI ( Unified Payments Interface), Launched in the year 2015 and owned by Walmart under the parent company Flipkart. Here is how to share your QR code:
Step-by-Step Guide:
1: Open PhonePe on your phone
2: Launch PhonePe on your phone.
3: Press your Profile Picture on the top left.
4: Scroll down and tap “My QR Code.”
5: Your UPI QR Code will be displayed.
6: Share the QR code using WhatsApp, Email or other apps.
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Vijay Shekhar Sharma is the founder and CEO of Paytm. Paytm is widely credited for its role in transforming digital payments in India and has made a name for itself household buzzword. It was launched in the market in 2010 by One97 Communications. Initially, it was a mobile recharge platform, but later expanded into digital payments, transactions, e-commerce and financial services over the years. Well! Here are the steps to share the UPI QR code from Paytm.
Step-by-Step Guide:
1: Open the Paytm app.
2: Select “Profile” in the upper left.
3: Click on "UPI & Payment Settings".
4: Then tap “QR Code” to see your code.
5: Hit share — send via WhatsApp, SMS, Email, etc.
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Start the process by going to your BHIM UPI and selecting the option to share the UPI QR code.
National Payments Corporation of India (NPCI) is the organisation that released BHIM UPI ( Bharat Interface for Money), which is government-supported and formed and implemented by NPCI full version (National Payments Corporation of India).
Step-by-Step Guide:
1: Launch the BHIM UPI App on your mobile.
2: At the bottom, tap “Profile.”
3: Click on "My QR Code".
4: Select "Share" to share via WhatsApp, Email or Save as an Image
5: Ways to Share UPI QR Code
Other than sharing via apps, here are a few ways:
1: Print & Display – Print your QR Code and place it at your shop counter.
2: Website or Social Media-Share it on Instagram, Facebook
3: Add it to your email- signature so that people can pay, okay?
4: Business Cards – Get your QR code printed on business cards.
5: WhatsApp or SMS -Share directly with customers, clients, and friends.
Now that you are familiar with sharing UPI QR codes, let's check some common queries; here are some Benefits of Sharing UPI QR codes.
1: Fast funds transfer- Zero waiting; value gets credited immediately
2: But no extra charges- UPI cards are free
3: Quicker Transactions - Excellent, Especially for Shops, freelancers, and service providers
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These measures allow money and personal information to stay safe throughout all the transactions. Here are the key safety protection provided sevens for UPI QR codes
No Access to Bank Info: However, sharing your UPI QR Code does not expose any bank account details. Instead, it only exposes your UPI ID or virtual payment address (VPA). The sender only gets to know your UPI ID (like name@bank), none of the sensitive information like your account number or IFSC. Your financial information is hidden, so it cannot be abused.
Transactions Secured by your PIN: For every UPI transaction, the sender must enter a UPI PIN, a secure 4-6 digit code known only to the user. No payment can be made without the PIN. You need your own UPI PIN as well, or even if someone scans your QR Code, he can't transfer money. The UPI PIN is also encrypted, adding to its security.
Real-Time Transaction Alerts: When you make a transaction with UPI apps, they send an instant notification, allowing you to track your account in real time. You also know instantly when a payment is sent to your account. In the event of any unauthorised activity, you don't have to waste time contacting your bank or blocking your UPI ID.
Multi-Layered Encryption: They are encrypted with bank-level security protocols, so payment information stays private. This ensures that the QR Code is not tampered with or abused and prevents hackers from capturing payment details.
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Apps such as Google Pay, PhonePe, Paytm, and BHIM UPI link others that are government-approved and exclusively support UPI QR Codes. Such platforms comply with the stringent security guidelines laid down by NPCI (National Payments Corporation of India). Transactions are processed solely through trusted and vetted apps. We prevent any theft through stringent NPCI regulatory checks, as no fraudulent app can go past this system if it tries to use your QR Code. Fraud Detection and Reporting Systems: Most UPI apps have fraud detection systems that can recognise unusual activity or suspicious transactions. Users can also directly report fraud from their app. Protection Features: Apps alert you if a large number of transactions are attempted in a short time.
QR Code Tampering Prevention: Static or dynamic UPI QR Codes are also highly tamper-proof. A static QR Code remains actually associated with your UPI ID. Dynamic QR Codes are generated for specified amounts per transaction, which provides an additional level of security. It is impossible to alter QR Codes to divert funds to any other account. Dynamic QR Codes are one-time used, decreasing the chances of fraud.
Device Authentication: In this process, the sender's device must be authenticated. This prevents unauthorised payments from unregistered devices. UPI apps are mapped with the user’s phone number and device. But if someone has access to your UPI app, they can't make a payment without the phone's authentication.
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No Cash Handling Risks: Using a UPI QR Code means you don't have to depend on cash transactions, which are at risk of theft or counterfeit currency. Payments are digital and thus traceable, which leads to more transparency. They are safe for businesses and individuals alike—there is no cash passing hands.
NPCI Dispatch and Periodical Guidelines: NPCI keeps up with the demand for security and user experience and constantly updates the UPI systems. Every UPI app adheres to stringent practices to make your transactions safe. Frequent updates safeguard against changing cyber risks. They are informed about fraud prevention via notifications and in-app recommendations. While UPI QR Codes, by design, are secure, the following practices must be implemented for enhanced protection:
1: Do not send your UPI PIN to anyone.
2: Confirm the name of the merchant before you pay.
3: Use only trusted UPI apps (Google Pay, PhonePe, Paytm, etc.)
4: Do not scan unknown QR Codes. Only use codes given to you by registered merchants or people.
5: Review your transaction history to look for any discrepancies.
When it comes to digital transactions, UPI QR Codes provide up-to-date security features where the digital transactions are very safe, fast, and hassle-free. UPI QR Codes safeguard you from fraud with built-in security features like encrypting your information, requiring PIN authentication, and alerting you in real-time. So, whether you are a business owner accepting payments or an individual transferring money, UPI QR codes can help you safely secure your transactions.
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1. Can we share the UPI QR code with more than one person?
Sharing your UPI QR Code with others is not restricted. Your QR code is your digital payment address, and anyone who scans it can send money to your linked bank account.
2. How safe is it to share your UPI QR code?
Yes, UPI QR codes are safe as they do not disclose your bank account information. Instead, they just share your UPI ID, which is a virtual payment address. So, your sensitive information, such as account numbers or IFSC codes , does not become public.
3. Why create a new UPI ID?
To Keep Your Payments Organised (like – Separate UPI IDs for Personal and business use). Suppose your current UPI ID is linked to many transactions, and you would like a new start.
4. Can You Use Your UPI QR Code on Many Apps?
Yes, every UPI-enabled app has your UPI QR code. Customers can scan their QR Code through Google Pay, PhonePe, Paytm, or BHIM UPI, and receipts will be credited to the linked bank account.
5. Can you customise your own UPI QR code?
Sure! If you are a shop owner or want to stand out, some UPI apps let you create custom QR Codes.
6. Does UPI QR code payment have any limit?
Yes, the daily limit on UPI transactions varies from one bank to another. All banks permit transactions up to ₹1-2 lakh per day.
7. Can we personalise a UPI QR code?
Yes! For business owners or those looking to be more unique, some UPI apps provide the creation of custom QR Codes.
8. Is it possible to update your UPI QR Code?
No, you cannot directly rename a UPI QR code. But you can create a fresh UPI ID and then a QR Code associated with that.
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