If you run a shop, a stall, a salon, a clinic or a home business in India, a payment QR code is the fastest way to get paid without cash, card machines or a website. Customers scan, pay by UPI, and the money lands straight in your account. Here's exactly how to set one up — and how to make it do far more than just collect money.
What is a payment QR code?
A payment QR code is a square barcode that, when scanned with any phone camera or a UPI app (GPay, PhonePe, Paytm), opens a payment screen pre-filled with your details. The customer confirms, and you're paid. No app for them to download, no card reader, no monthly rental.
In India this runs on UPI, which is free, instant, and works across every bank and wallet. That's why you see these codes on every counter from a chaiwala to a showroom.
Static UPI QR vs a smart payment page
Most "scan to pay" stickers are a static UPI QR — they just open your UPI ID. That's fine for a quick payment, but it has limits:
- The customer has to type the amount every time (errors happen).
- You can't show what you sell or your prices.
- You get no record of who paid for what.
A smarter option is a payment page behind one QR — the customer sees your products with prices, taps the item, and pays the exact amount. You get a clean order log, and the same code can also take WhatsApp orders or card payments for customers who don't use UPI.
Key insight: the QR code is not the product — the page behind it is. A good page turns a scan into a sale, not just a transfer.
How to set up a payment QR code (free)
You can do this in minutes with QRYZEN:
- Create a page — a simple catalogue or a single "Pay" page for your business.
- Add your UPI ID (e.g.
yourname@oksbi) so money goes straight to your bank — the platform never holds it. - Add your items and prices (optional) so customers pay the right amount, or keep it as a single amount.
- Get your QR code — print it for your counter, add it to bills, or share the link on WhatsApp and Instagram.
- Accept more than UPI — connect a gateway (Razorpay, Cashfree, Instamojo, PayPal) if you also want cards, net-banking and wallets. With most of these, 100% of the money goes to you.
Your code is dynamic, so you can change prices or items anytime and the printed code keeps working — it never expires.
Make it earn more than a sticker
Because the page is yours, you can:
- Show a full digital catalogue or menu customers browse before paying — see how to make a digital catalogue.
- Take orders on WhatsApp with one tap.
- Collect a booking or deposit for services (salons, clinics, consultants).
- Send an automatic receipt and keep an order record for your books.
- Add a Google review request so happy customers boost your local ranking — see get more Google reviews with a QR code.
How much does it cost?
Accepting UPI is free — there are no charges on UPI payments in India. QRYZEN lets you start free, and a static QR is free forever. If you connect a card gateway, that provider's standard fees apply, but UPI stays free.
Frequently asked questions
Is a payment QR code safe? Yes. Payments go directly to your bank via UPI or your chosen gateway — the page never stores card details, and you can see every transaction.
Do customers need an app? No app for your page — any phone camera opens it. To pay by UPI they use any UPI app they already have (GPay, PhonePe, Paytm, their bank app).
Can I change the amount or products later? Yes — because the code is dynamic, edit your prices or items anytime and the same printed code instantly shows the update.
Can I accept cards too, not just UPI? Yes. Connect a gateway like Razorpay or Cashfree and the page shows a Pay button that accepts cards, net-banking and wallets alongside UPI.
Do I need GST or a company to use it? No. Individuals and small businesses can accept UPI with just a bank account and UPI ID. Add billing/GST details later if you need tax invoices.
Start taking payments today
You don't need a website or a card machine — just one QR code and a page that does the selling for you. Create your free payment QR code with QRYZEN and accept your first UPI payment in minutes.