Create a BHIM UPI QR code for instant digital payments. Works with BHIM, Google Pay, PhonePe, Paytm and all UPI apps. Free — no sign-up needed.
BHIM (Bharat Interface for Money) is India's official UPI payment app — government-backed, developed by NPCI (National Payments Corporation of India), and launched in December 2016. It was India's first UPI-based payment app and the reference implementation on which the entire UPI ecosystem was modelled.
A BHIM QR code is a standard UPI QR code linked to your BHIM UPI ID. It uses the same upi:// URI format as all UPI apps, meaning it is fully interoperable — any person with Google Pay, PhonePe, Paytm, or any bank UPI app can scan a BHIM QR code and pay instantly. According to NPCI, UPI processed 14.87 billion transactions worth ₹19.78 lakh crore in March 2025 alone — and BHIM was the catalyst for this growth.
Before generating your BHIM QR code, you need your BHIM UPI ID. Here is exactly where to find it:
Launch the BHIM app on your Android or iOS device. Make sure you are logged in.
Your UPI ID is displayed prominently at the top of the BHIM home screen — typically in the format 9876543210@upi.
Tap the profile icon (top right) to see all your linked UPI IDs and bank accounts.
Copy your UPI ID (e.g. 9876543210@upi) and paste it into the BHIM UPI ID field above to generate your QR code.
All three apps — BHIM, Google Pay, and PhonePe — use the same underlying UPI standard defined by NPCI. A QR code from any of these apps will work with all the others. Here is how they compare:
BHIM: Government-backed, no ads, no proprietary wallet, most neutral — the reference implementation for UPI. BHIM UPI IDs end in @upi, the NPCI-operated handle not tied to any private company. Best for users who want maximum neutrality and zero platform dependency.
Google Pay: 150 million monthly active users in India. Offers cashbacks and Google ecosystem integration. UPI IDs typically end in @okaxis, @okicici, @okhdfcbank. Great for consumers already in the Google ecosystem.
PhonePe: 530 million registered users — the largest UPI app by volume. Strong merchant tools, insurance, and investment features. UPI IDs typically end in @ybl. Dominant in tier-2 and tier-3 cities.
Use whichever app is your primary UPI account. The QR code generated here works with all three — and all 50+ UPI-certified apps in India.
BHIM was designed for everyone — shopkeepers, street vendors, auto-rickshaw drivers, domestic workers, and small traders across India's tier-2 and tier-3 cities. The Reserve Bank of India (RBI) actively promotes UPI QR codes over cash and proprietary payment systems as part of India's digital payment mission.
With over 50 million merchant locations accepting UPI QR codes (NPCI 2024), displaying a BHIM QR code at your counter, on your delivery vehicle, or on your WhatsApp profile means every customer with any UPI app can pay you in seconds — no cash handling, no card swipe fees, no settlement delays. UPI settlements typically reach your bank account within seconds to hours.
Whether you run a kirana store, a chai stall, a salon, or a coaching class — a BHIM QR code printed and laminated at your counter is one of the most practical business upgrades you can make for free.
QRMake is India's free QR code generator — WiFi, business cards, WhatsApp links, locations and more. No sign-up, no watermarks.
Open QR Code Generator →A BHIM QR code is a standard UPI QR code generated for use with the BHIM (Bharat Interface for Money) app — India's government-backed UPI payment app developed by NPCI. BHIM QR codes use the standard upi:// URI format and work with all UPI-certified apps including Google Pay, PhonePe, and Paytm. BHIM UPI IDs typically end in @upi.
BHIM (Bharat Interface for Money) is India's official UPI payment app, launched in December 2016 by the Government of India through NPCI (National Payments Corporation of India). It was designed to promote digital payments in India, especially for users who don't use Google Pay or PhonePe. According to NPCI, BHIM is available on Android and iOS and supports all Indian banks.
BHIM UPI IDs typically end in @upi — for example 9876543210@upi. You can also link other bank UPI IDs to BHIM. To find your BHIM UPI ID: open BHIM → tap the profile icon or go to Home → your UPI ID is shown at the top of the screen.
Yes. BHIM QR codes use the standard NPCI upi:// format, which is interoperable across all 50+ UPI-certified apps. Anyone with Google Pay, PhonePe, Paytm, Amazon Pay, CRED, or any bank app can scan a BHIM QR code and pay instantly. UPI interoperability is mandated by RBI — no app is allowed to restrict payments to its own QR format.
BHIM is the government-backed reference implementation of UPI — it has no platform-specific fees or proprietary wallets. For merchants wanting the most neutral and universally accepted QR code, BHIM is a reliable choice. For features like cashbacks, offers, and analytics, Google Pay or PhonePe may add more value. Functionally, all three use the same UPI network — your customers can pay regardless of which app they use.
The @upi VPA handle is the generic NPCI-operated handle used primarily by BHIM. It is the most bank-neutral UPI handle — not tied to any specific payment company. Your 9876543210@upi UPI ID works the same as any @ybl or @okaxis ID — any UPI app can receive and send to it.
Generate QR codes for other UPI apps and payment platforms: