How to Make a UPI QR Code for Your Shop
Step-by-step: create a UPI QR code for your shop counter, fix an amount, print a standee and test it with different apps.
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A UPI QR code lets customers pay at your counter by scanning with any UPI app. This guide shows you how to create one, print a counter standee, test it and keep it safe. embedro only creates the code. It does not process payments or take any fee, and the money moves directly from your customer's app to your bank account.
Standee Layout & Anti-Tamper Protocol
- 1.Inspect your standee every morning: Scammers in Indian retail markets paste sticker QRs over genuine standees to divert customer payments. Check physically.
- 2.Confirm in your OWN app or audio soundbox: Never release goods based on a customer showing a screenshot on their phone. Fake payment screenshot generator apps exist.
- 3.Receiving money NEVER requires your UPI PIN: If someone sends you a QR code claiming "Scan this to receive your customer's payment", it is fraudulent phishing. Entering your PIN only sends money out.
embedro does not process payments or touch merchant money. The QR encodes the standard NPCI URL intent (upi://pay?pa=...). The customer’s bank transmits money directly to your account.
Step 1: Check your UPI ID
Your UPI ID, also called a VPA, looks like name@bank. Open your UPI app and confirm the exact ID and the name shown for it. A single wrong letter sends payments to the wrong person or fails.
Step 2: Choose a personal or merchant account carefully
It will scan either way, but banks and UPI apps apply different rules and limits to personal and merchant accounts. If you take regular payments for your business, ask your bank about a merchant QR and its terms, including limits and charges. Do not rely on a guess.
Step 3: Create the code
Enter your UPI ID and the name customers should see. Leave the amount empty for a counter where every bill is different. Add a fixed amount only for a standard price, such as a monthly fee. You can add a short note, such as Counter 1, which can help you tell counters apart in your statement. Some apps let the payer change the note.
Step 4: Design and download
Use dark colours on a light background and add a frame such as Scan to Pay. Download an SVG or PDF for printing. If you use a PNG, choose the 2000-pixel option for counter standees.
Step 5: Print a counter standee
For a standee scanned from about 50 cm, make the code at least 5 to 6 cm wide, and bigger if your counter is wide. Print the shop name under the code so customers can check it matches what their app shows. Use matte lamination or an acrylic holder, and avoid placing it where lights cause glare.
Step 6: Test with different apps
Scan the printed code with at least two or three UPI apps and pay a small amount to another account of yours. Check the name shown, the amount and the note. Test again after any change to your UPI ID or print.
Keeping payments safe
Check your standee every day. Fraudsters have stuck their own codes over real ones in shops.
Confirm a payment in your own app, SMS or sound box before you hand over goods. Do not trust a screenshot on the customer's phone.
Scanning a code to receive money never needs your PIN. If someone sends you a code and asks you to scan it to receive a payment, that is a scam.
Never share your UPI PIN or OTP with anyone.
Record keeping
Keep your payment history for accounting, and ask your accountant how to record UPI receipts and any GST that applies to your business. This guide is not tax advice.
Common mistakes
A typo in the UPI ID.
A fixed amount on a code used for varying bills.
A tiny code on a crowded counter.
Glossy lamination that reflects shop lights.
Never testing the printed code.
Key Takeaways
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