UPI Payment Link & Intent Link Generator
upi://pay link that works everywhere, plus working deep links for Google Pay, PhonePe, Paytm, and BHIM. Auto-detects your phone on mobile; shows a QR on desktop, since intent links can't open an app from a browser tab.Payment details
Amount is pre-filled in the link
Only affects the shareable /pay link below — after this, it shows "link expired" instead of opening. Encoded in the link itself, not a database, so it works the same on any device.
How the payer sees it
Enter a valid UPI ID and your name on the left — your payment link appears here as you type.
What is a UPI Intent Link?
A UPI intent link is a upi://pay?… URL that, tapped on a phone, opens a UPI app straight to a pre-filled "confirm and pay" screen instead of the payer typing in a UPI ID and amount by hand. It carries the same information a UPI QR code encodes — payee address, name, amount, note — just as a tappable link rather than an image, which is what makes it work anywhere a QR can't: pasted into WhatsApp, texted, or dropped in an invoice email.
upi://pay vs tez:// vs phonepe:// vs paytmmp:// — Difference
upi://pay is the generic, NPCI-standard scheme — every UPI app registers itself as a handler for it, so tapping a universal link on Android shows the phone's own chooser of every UPI app installed, and the payer picks. tez://, phonepe://, and paytmmp:// are each app's own private scheme, registered only by that app — using one skips the chooser and opens that specific app directly, but does nothing if the payer doesn't have it installed. This tool generates both: the universal link as the safe default, and each app-specific link for when you already know which app your customer uses.
| Scheme | Opens | Works on |
|---|---|---|
| upi://pay | Any installed UPI app (chooser on Android) | Android, iOS |
| tez://upi/pay | Google Pay only | Android, iOS |
| phonepe://pay | PhonePe only | Android, iOS |
| paytmmp://pay | Paytm only | Android, iOS |
| intent://pay#Intent;…;end | One named app, skipping the chooser | Chrome for Android only |
Why Intent Over Collect?
A UPI Collect request works the opposite way from an intent link: instead of the payer opening their app and confirming a payment they initiated, a collect request pings the payer's app asking them to approve money leaving their account — the same mechanism behind the "you've received a collect request, approve to receive ₹X" scam, where approving actually sends money out rather than receiving it. Banks and PSPs have been tightening collect-request limits for exactly this reason, with NPCI moving to restrict P2P collect requests further from 28 February 2026. An intent link or QR code doesn't have this failure mode at all — the payer is always the one who opens their app and reviews a paymentthey chose to make, never one asking their approval to send money elsewhere. That's the mechanism this tool builds, and the only one worth sharing.
How to Share on WhatsApp
Tap Share on WhatsApp above — it opens WhatsApp with a message pre-filled with the amount and the universal link, ready to send to any contact or group. On the receiving end, tapping the link on a phone opens their UPI app directly; opening it on a desktop-linked WhatsApp Web session shows the QR fallback instead, since desktop browsers can't launch a UPI app.
Free vs Razorpay Payment Links
| Toolsda | Razorpay Payment Links | |
|---|---|---|
| Cost | Free, always | Free to create, ~2% fee per transaction |
| Signup | None | Merchant account + KYC required |
| Where money goes | Straight to your UPI ID, peer-to-peer | Held by Razorpay, settled to your account |
| Where your data goes | Nowhere — built in your browser | Razorpay's servers |
| Best for | Personal collections, small sellers, quick invoices | Registered businesses needing gateway features (cards, EMI, refunds API) |
Read the guide
Frequently Asked Questions
What is a UPI intent link?
A UPI intent link is a upi://pay URL that, when tapped on a phone, opens a UPI app straight to a pre-filled payment screen — the payee, amount, and note already in place. It is the same mechanism a QR code encodes, just as a tappable link instead of an image, which is why it works over WhatsApp, SMS, or email where a scan isn't possible.
Will one link work for Google Pay, PhonePe, and Paytm?
Yes — the Universal Link (upi://pay?…) is read the same way by every UPI app, because they're all clients of the same NPCI network, not separate payment systems. On Android, tapping it opens the phone's own chooser of every UPI app installed. This tool also generates app-specific deep links (tez://, phonepe://, paytmmp://) for when you want to skip that chooser and open one particular app directly.
Why doesn't the link work on desktop?
upi://, tez://, phonepe://, and paytmmp:// are all custom URL schemes that only a phone's UPI apps register as handlers for — a desktop browser has nothing installed that understands them, so tapping the link does nothing (or shows a browser error). That's expected, not a bug: this tool detects desktop automatically and shows a QR code instead, which any UPI app's scanner reads the same information from.
How do I create a payment link for Google Pay specifically?
Fill in your UPI ID, name, and amount, then use the "Copy GPay Link" button or the Google Pay button under Dev Links — that generates the tez://upi/pay… scheme Google Pay itself registers for. Sharing this instead of the universal link sends the payer straight into Google Pay, skipping the app chooser, but only works if they actually have Google Pay installed.
Is this free? How is it different from Razorpay Payment Links?
This is free with no signup, no transaction fee, and no commission — Razorpay Payment Links require a merchant account, KYC, and take a cut per transaction because they route the payment through their gateway and hold the money briefly before settlement. This tool never touches the payment itself: it only builds the upi://pay link and QR client-side and hands the payer straight to their own UPI app, which is also why it needs no login and stores nothing.
Does this store my UPI ID or the links I create?
No. Every link and QR is built in your browser — nothing is sent to a server. The shareable /pay link encodes your payment details in the URL fragment (after the #), which browsers never transmit to any server by design, so even the hosted link is decoded entirely on the visitor's own device.
Checking a link or QR someone sent you?
This tool only builds links — it doesn't tell you whether one is trustworthy. Use the UPI ID & QR Code Safety Checker before you pay.
Need a printable QR instead of a link?
The UPI QR Code Generator builds the same payment into a downloadable PNG, SVG, or print-ready PDF, with an optional logo.