Official baselineFrom 15 Oct 2026 · Buyers still ₹0 · Shop MDR 0.40% only above ₹2,000
Active Baseline
•Audit: 18 September 2026•Ministry of Finance PIB PRID: 2310586

UPI QR Code Generator & Countertop Card Maker

Create customized, official-grade UPI payment QR codes for your shop, clinic, freelance services, or personal reimbursements. Share on WhatsApp, send via email, or download printable tabletop standees.

Customer scanning tabletop UPI QR standee on a retail checkout counter
Retail Countertop Standard

Printable High-Contrast Standee for Everyday Kirana Scans

Over 96% of in-person payments in India happen under ₹2,000 with 0% MDR. Create your custom tabletop standee below, download high-resolution PNG prints, or share payment links instantly with zero transaction cuts.

₹0 Setup Fee100% Client-Side PrivacyAll UPI Apps Supported

Payment & Beneficiary Details

Resolved UPI Handle: shopkeeper@okhdfcbank

100% Client-Side Privacy:

Your beneficiary details and QR codes are generated directly in your browser. We never transmit or store bank accounts or payment strings on external servers.

Preview Layout:
UPI ACCEPTED HERE

Scan & Pay With Any UPI App

Google Pay•PhonePe•Paytm•BHIM•Any Banking App

City Supermarket

shopkeeper@okhdfcbank

Enter Any Amount on Your Phone
Fill UPI ID to generate
100% Free UPI Payment • No Extra Surcharge
Never enter UPI PIN to receive money • Generated via UPIfree.com

Share & Export Options

Share on WhatsAppEmail Payment Details
3-Step Process

From Setup to First Payment in 60 Seconds

No app downloads, no merchant accounts, no POS hardware. Just your UPI ID.

1

Enter UPI Details

Type your UPI ID (VPA), display name, and optional fixed amount. Pick a colour theme that matches your shop branding.

Code generated instantly in your browser
2

Download or Print

Grab the high-res PNG poster for lamination, or print a standard 4×6″ tabletop card sized for acrylic standee holders.

Print-ready @ 800×1100px (300 DPI)
3

Accept Payments

Place at your counter. Customers scan with Google Pay, PhonePe, Paytm, BHIM, or any banking app. Funds settle to your bank instantly.

Zero MDR on transactions ≤ ₹2,000
Neighbourhood kirana store accepting UPI with QR standee and soundbox: zero MDR on transactions under ₹2,000
Zero MDR Tier

Most kirana scans stay at ₹0 for the shop too

If the bill is ₹2,000 or less, the shop's bank does not take a UPI cut. Print a standee, put it on the counter, and the soundbox should speak the full amount.

0% MDR ₹0 Setup Instant T+0 Settlement
High-Ticket Protection

On a ₹1.25 lakh bill the shop still pays at most ₹300

Jewellery stores, electronics showrooms, and automobile dealers processing high-value transactions ≥ ₹75,000 are protected by the statutory ₹300 acquiring ceiling. While a card swipe would cost ₹2,500 (2% uncapped MDR), UPI caps the fee at a flat ₹300, saving the merchant ₹2,200 on a single transaction.

✕ Card: ₹2,500 UPI: ₹300 Max ₹0 Customer Surcharge
Luxury jewellery store high-ticket UPI transaction protected by statutory ₹300 MDR cap
QR Safety

Protect Your QR Code

Four rules every shopkeeper should follow before putting a QR code on the counter.

Never Share PIN to Receive

Receiving money via UPI never requires entering your UPI PIN. If asked, it's a fraud attempt.

Verify Before Laminating

Test your QR with a ₹1 payment from another phone before laminating or framing your standee.

Watch for Tamper Stickers

Fraudsters paste their own QR over yours. Use sealed acrylic standees and check daily that the QR still resolves to your name.

Confirm Every Credit

Always wait for your bank SMS or soundbox chime confirmation. Never rely on a screenshot shown by the customer.

Tools

CalculatorBill splitMake QRCheck QRRead billCompareShop MDR