UPI Payment Link Generator

What is a UPI payment link?

A UPI payment link uses the upi://pay URI scheme — the same underlying format every UPI QR code encodes — but as a plain link you can paste directly into a WhatsApp message, SMS, or email instead of a QR image. Tap it on a phone with a UPI app installed (GPay, PhonePe, Paytm, BHIM, or your bank's own app) and it opens straight to a payment screen with your UPI ID — and amount, if you set one — already filled in.

Enter your UPI ID in the name@bank format, your shop or payee name, and an optional fixed amount. The link and a ready-to-send WhatsApp message update instantly, and nothing you type is ever sent to a server — everything happens in your browser.

Why send a link instead of a QR code?

A QR code needs to be scanned, which means the customer needs to be looking at a screen or a printed code with their camera. A payment link works anywhere text works — inside an existing WhatsApp chat, a follow-up SMS after a phone order, or an email invoice — without asking the customer to switch to their camera app. It's the faster option for a remote sale where you're already messaging the customer directly. If you'd rather hand someone a scannable code instead, use our UPI QR Code Generator, which uses this exact same UPI ID and amount builder.

A link only mobile UPI apps understand

A upi:// link is not a normal website address — it will not open in a desktop browser, and tapping it on a phone with no UPI app installed will simply fail to open anything. It's built specifically to be opened on a mobile device that has at least one UPI-enabled app. Always test the link yourself on your own phone before sending it to a customer, and always confirm the payee name and amount that appear match what you expect.

Good for phone orders, deliveries, and follow-ups

This tool is especially handy when you're taking an order over the phone, confirming a delivery, or following up after a customer asked "how do I pay you?" mid-chat — you can generate the link once with a fixed amount for that specific order and drop it straight into the conversation instead of switching apps or reading out your UPI ID digit by digit, which is where typos and failed payments usually come from. Save frequently used combinations (like a standard delivery charge or a common order size) so you can regenerate a fresh link in a few seconds each time a similar order comes in.

Once you're comfortable sending payment links this way, a BizGo digital business page takes it further with a dedicated payment section your customers can find any time, alongside your services, gallery, and Google review link — all under one free, shareable page you control.