What Is a UPI QR Code?
A UPI QR code encodes your UPI ID (and optionally an amount and a note) so that scanning it opens a pre-filled payment screen in the payer's UPI app — Google Pay, PhonePe, Paytm, or any other. It is the standard way small businesses, freelancers, and individuals across India collect instant digital payments without a card machine, following the same `upi://pay` link format every UPI app already recognizes.