Can I set a fixed amount on a UPI QR code?

Yes, by including the 'am' parameter in the official NPCI UPI specification (upi://pay?pa=...&am=500), scanning apps like Google Pay, PhonePe, and Paytm will lock the payment to that exact rupee amount, preventing customer input errors.

Are my UPI credentials uploaded to any server?

No. BuyWiseHub generates all QR codes 100% inside your browser RAM using client-side JavaScript. No UPI ID, transaction amount, or note is ever transmitted or stored on any remote server.

Do I need to enter my UPI PIN to receive money?

Never. A UPI PIN is required ONLY to debit or send money from your bank account. You never need to enter your UPI PIN to receive money through a QR code or payment request.

100% In-Browser Privacy • Zero Server Storage

Dynamic UPI QR Code Generator

Create instant scannable UPI QR codes with custom amount and transaction note. Compatible with Google Pay, PhonePe, Paytm, BHIM, and all bank apps. Download PNG or print counter standee.

Payee UPI ID (VPA) *

Any valid Virtual Payment Address (e.g. @ybl, @paytm, @okaxis, @okhdfcbank, @sbi).

Payee / Business Name *

Fixed Amount in ₹ (Optional) Leave blank for open amount

₹

Transaction Note / Reference (Optional)

Generated NPCI Intent URI:

upi://pay?pa=merchant@okaxis&pn=Sharma%20General%20Store&am=500&tn=Bill%20Payment&cu=INR

UPI BHIM

Zero Surcharge

Sharma General Store

merchant@okaxis

Fixed Amount: ₹500

Note: Bill Payment

Scan & Pay Using Any UPI App

GPay PhonePe Paytm BHIM Cred

NPCI UPI Deep Dive & Safety Standards (2026)

Static vs Dynamic UPI QR Codes

Static QR: Contains only your VPA and name. The customer enters the amount manually upon scanning. Ideal for retail counters and vegetable vendors.
Dynamic QR: Encodes the exact payable amount and invoice number. When scanned, the app automatically populates the exact sum and locks the amount field, eliminating over-payment or under-payment disputes.

The Golden Rule of UPI Safety

⚠️ You NEVER need to enter your UPI PIN to RECEIVE money.

Fraudsters often send fake "payment request" links claiming you must enter your PIN to claim a lottery, refund, or OLX buyer payment. If a screen asks for your UPI PIN, money will be debited from your bank account!

RBI & NPCI UPI Transaction Limits (2026)

Standard Peer-to-Peer (P2P): ₹1,00,000 per 24 hours.
Capital Markets & IPO Applications: ₹5,00,000 per transaction.
Hospital & Educational Institutions: ₹5,00,000 per transaction.
Insurance Premiums & Tax Payments: ₹5,00,000 per transaction.

Zero MDR (Merchant Discount Rate)

Under Government of India mandates, bank account-to-account UPI transactions incur 0% MDR for both merchants and customers. When someone scans your standee QR code, 100% of the funds are settled into your bank account without credit card interchange deductions.

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