UPI (Unified Payments Interface) is India's real-time, bank-to-bank payment network, and every UPI app already knows how to read a standard upi://pay link — which is exactly what this generator builds for you.
Enter your UPI ID (VPA) — the name@bank handle your bank or UPI app gave you — plus your name, and an optional amount and note. The generator encodes them straight into a upi://pay?pa=...&pn=...&am=... link, the same format banks and payment apps use behind the scenes. There's no payment gateway, no merchant account, and no transaction fee taken by this tool — money moves directly between the payer's bank and yours, exactly as if they'd typed your UPI ID in by hand.
Leave the amount blank to let the payer enter it themselves — useful for a general "pay me" code at a stall or counter. Fill it in for a fixed-price code, like a specific invoice or a set donation amount.