UPI Studio — Developer Workbench & QR Generator

Real-time NPCI Link Compiler

Payment Parameters

Configure recipient VPA, transaction amount, reference IDs, and QR styling.

Payee UPI ID (VPA) * pa

Popular:

Payee / Merchant Name * pn

Displayed at the top of payer's approval screen.

Amount am

₹

Currency cu

Transaction Ref ID tr

Payment Note tn

QR Appearance & Standee Themes

Merchant Standee Card Preset

QR Matrix Color

QR Background

Center Emblem

Error Correction

QR Dimension

Quiet Zone Margin

Advanced Protocol Parameters (MCC, Mode, Sign, MAM)

MCC Code mc

Min Amount mam

Initiation Mode mode

Callback URL url

Base64 Digital Signature sign

Physical Counter Standee

Vector Scaled • Ready to Scan

Acme Store

merchant@okaxis

UPI

Standardized URI Protocol

Direct Handshake with PSP Apps

Compiled UPI Deep Link

upi://pay?pa=...

Test Direct Launchers (Mobile / Device Choosers)

Default UPI Intent Standard `upi://pay`

Google Pay `gpay://upi/pay`

PhonePe `phonepe://pay`

Paytm `paytmmp://pay`

Active Protocol Parameters

Key	NPCI Name	Resolved Value

Zero-Fee Payment Button

Self-Contained HTML/CSS

Live Render Preview

Button Theme Preset

Button Label

Display Amount Badge inside Button Include UPI Lightning SVG Icon

Copy-Paste HTML & Inline CSS

<!-- Loading button... -->

Desktop Modal + Mobile Universal Script

<!-- Script loading... -->

NPCI Unified Payments Interface Protocol Anatomy

How QR codes and Intent URIs decode across PSP apps.

URI Structure

Every UPI checkout begins with the custom scheme upi://pay followed by query parameters. Mobile operating systems (Android Intent Filters & iOS Universal Links) parse this scheme and pass the dictionary of key-value pairs to verified payment apps (GPay, PhonePe, Paytm, BHIM).

Desktop vs Mobile Handshake

Because desktop browsers lack native UPI hardware token storage, attempting to launch upi:// directly will trigger an unhandled protocol error. The recommended merchant pattern is displaying the dynamic QR standee for smartphone camera scans.