# A UPI QR code for a small shop

> Generate a static code from your VPA with no amount, print it at 4 cm or larger on matt stock, put your business name in large text beside it, and check the standee at the start of every shift for a sticker pasted over it.

Source: https://useqr.app/docs/payments/upi-qr-for-a-small-shop · Last reviewed 2026-08-21 · UseQR is free forever, MIT licensed, no signup.

---

## What you need

Just your **VPA** — `yourname@bank` — from any UPI app. No merchant account, no PSP
relationship, no fee for person-to-person receipts.

If you take significant volume, a PSP-issued merchant VPA gives you settlement reports and a
proper merchant category code, and is worth having. But you can start with the VPA you
already have.

## Generate it

Leave the **amount blank**. Set `pn` to your business name exactly as customers know it.

[Make one now →](/upi?pn=My%20Shop)

## Print it properly

| | |
|---|---|
| Code size | **4 cm minimum** for a 40 cm counter distance |
| Error correction | M (Q if adding a logo) |
| Finish | **Matt**. Never gloss |
| Orientation | Vertical standee, not flat on the counter |
| Alongside | Business name in large text, and the VPA in small text |

Gloss laminate under a ceiling light reflects straight into the phone camera. This is the
single most common reason a counter code "stops working".

## The daily check that matters

The dominant UPI QR fraud is physical: someone pastes their own code over yours, and your
takings go to them until you notice. It requires no technical skill and happens constantly.

Two defences, both free:

1. **Look at the standee at the start of every shift.** Run a finger over it — a sticker has
   an edge.
2. **Print your business name large.** Customers see the payee name on their confirmation
   screen. If it says something else, someone will mention it — but only if your real name is
   printed where they can compare.

Laminating the standee makes tampering more obvious, because a sticker on laminate lifts.

## Multiple counters or tables

Give each its own code with a distinct `tn`, so settlement tells you which one was used:

```
upi://pay?pa=shop@upi&pn=My%20Shop&cu=INR&tn=Counter%202
```

Generate them together from a CSV with the [bulk tool](/bulk).

## What it costs

Nothing. Person-to-person UPI is free. Generating the code is free. Printing is the only
expense. Any service charging you for a UPI QR code is charging for a URL.

## FAQ

### Do I need a merchant account to accept UPI payments?
No. A personal VPA works for receiving payments. A PSP-issued merchant VPA adds settlement reporting and a proper merchant category code, which is worth having at volume.

### How big should a UPI standee be?
At least 4 cm of code for a typical 40 cm counter distance — the scanning distance divided by ten.

### How do I stop someone pasting their QR code over mine?
Check the standee at the start of every shift, laminate it so a sticker lifts visibly, and print your business name large so customers notice when their app shows a different payee.

### Is there a fee for a UPI QR code?
No. Person-to-person UPI is free and generating the code costs nothing. Merchant transactions may carry charges under your PSP agreement.

## Try it

- https://useqr.app/upi
- https://useqr.app/wifi-card
- https://useqr.app/sticker-sheet