💸 UPI Tools
UPI Tools
14 tools to generate, check and protect UPI payments — 7 live today, with 7 more on the way as NPCI's 2026 handle-masking mandate reshapes how UPI IDs are shown.
7 of 7 live tools run entirely on your device
No login, no signup
Free, always
Create & Generate
3UPI Payment Link Generator
Live/tools/upi-payment-link-generator
Create a UPI link that opens GPay, PhonePe, Paytm or BHIM with the amount pre-filled
UPI QR Code Generator
Live/tools/upi-qr-generator
Create a UPI QR with amount, note, and logo — works in every UPI app
UPI ID Generator
Live/tools/upi-id-generator
Generate fictional, valid-format UPI IDs for testing — no real bank account needed
Validate & Check
5UPI ID & QR Code Safety Checker
Live/tools/upi-qr-scam-checker
Paste a UPI ID, UPI link, or scan a QR — catches the "scan to receive" pay trap
UPI ID Checker
Live/tools/upi-id-checker
Validate a UPI ID’s format, bank handle, and check it against known-blacklisted patterns
UPI Limit Checker
Live/tools/upi-limit-checker
Look up per-transaction and daily UPI limits for GPay, PhonePe, Paytm and BHIM
UPI Reference Decoder
Soon/tools/upi-reference-decoder
Decode a UTR or reference number to identify the bank, timestamp, and settlement rail
Fake Payment Screenshot Checker
Soon/tools/fake-payment-screenshot-checker
Check a GPay or PhonePe payment screenshot for signs of tampering before you trust it
Safety & Fraud
3UPI Handle Directory
Live/tools/upi-handle-directory
Search 70+ UPI handles to find which bank or app is behind @okaxis, @ybl, @okhdfcbank and more
UPI Scam Report Builder
Soon/tools/upi-scam-report-builder
Turn your transaction details into a ready-to-file RBI / cybercrime (1930) complaint
UPI Dispute Helper
Soon/tools/upi-dispute-helper
Get the exact dispute steps, bank email template, and resolution timeline for a failed UPI payment
Manage
3UPI GST Threshold Calculator
Soon/tools/upi-gst-threshold-calculator
Check whether your UPI collections cross the ₹20L/₹40L GST registration threshold
UPI Autopay Tracker
Soon/tools/upi-autopay-tracker
Track your UPI Autopay mandates, expiry dates, and maximum amounts in one place
UPI Statement Analyzer
Soon/tools/upi-statement-analyzer
Upload a UPI statement to see spend by merchant and flag possible scam transactions
UPI Guides
Learn before you create, check or pay
Practical guides for every live UPI tool, with safety limits, worked steps and links to primary sources.
How to Spot a Fake UPI QR Code
The "scan to receive" trap explained — how a fake UPI QR code actually debits you, and what to check before scanning one.
Read guide
How to Create a UPI Payment Link for GPay, PhonePe, Paytm or BHIM
Create a shareable UPI payment link with a payee name, optional fixed amount and note, then understand what happens when the payer opens it.
Read guide
How to Create a UPI QR Code With a Fixed Amount and Note
Generate a reusable or fixed-amount UPI QR, add an optional payment note or logo, choose the right download format, and test it safely.
Read guide
UPI ID Suffixes Explained: @ybl, @okaxis, @oksbi and More
Understand the prefix and handle in a UPI ID, what common suffixes suggest about routing, and why a known handle does not verify the account owner.
Read guide
How to Generate Fake UPI IDs for Testing (Without Using Real Accounts)
Create fictional, valid-format UPI IDs for form validation, QA fixtures and demos without exposing a real person's payment address.
Read guide
How to Check Whether a UPI ID Is Valid Before You Pay
Check UPI ID format, length, handle and placeholder patterns, then understand why only your payment app can resolve the beneficiary.
Read guide
UPI Transaction Limits Explained: Daily, Per-Transaction and App Limits
Understand the standard UPI ceiling, higher verified-merchant categories, bank and app restrictions, new-user caps and why a payment can still fail.
Read guideWhat is UPI Tools?
UPI Tools covers the parts of using UPI that the payment apps themselves don't help with — building a shareable payment link or QR, telling a genuine UPI ID apart from a scam one, and looking up which bank sits behind an unfamiliar handle. As NPCI's UPI ID masking mandate rolls out, more of this — reading a reference number, tracking a mandate, building a dispute — moves from "ask around" to "check a tool", which is what the cluster below is filling in.
How a UPI payment actually works
- Link account. Your bank maps your account to a VPA (Virtual Payment Address) through an NPCI-registered handle, like @ybl or @okaxis.
- Pay via intent. A
upi://paylink or QR opens whichever UPI app is installed, with the amount, note, and payee pre-filled. - Settle instantly. The payment settles over the IMPS rail, and a UTR (transaction reference number) is generated — the same number you'd quote in a dispute or refund request.
The 14 tools
- UPI Payment Link Generator — Create a UPI link that opens GPay, PhonePe, Paytm or BHIM with the amount pre-filled.
- UPI QR Code Generator — Create a UPI QR with amount, note, and logo — works in every UPI app.
- UPI ID & QR Code Safety Checker — Paste a UPI ID, UPI link, or scan a QR — catches the "scan to receive" pay trap.
- UPI Handle Directory — Search 70+ UPI handles to find which bank or app is behind @okaxis, @ybl, @okhdfcbank and more.
- UPI ID Generator — Generate fictional, valid-format UPI IDs for testing — no real bank account needed.
- UPI ID Checker — Validate a UPI ID’s format, bank handle, and check it against known-blacklisted patterns.
- UPI Limit Checker — Look up per-transaction and daily UPI limits for GPay, PhonePe, Paytm and BHIM.
- UPI Reference Decoder — Decode a UTR or reference number to identify the bank, timestamp, and settlement rail (Coming Soon).
- Fake Payment Screenshot Checker — Check a GPay or PhonePe payment screenshot for signs of tampering before you trust it (Coming Soon).
- UPI Scam Report Builder — Turn your transaction details into a ready-to-file RBI / cybercrime (1930) complaint (Coming Soon).
- UPI Dispute Helper — Get the exact dispute steps, bank email template, and resolution timeline for a failed UPI payment (Coming Soon).
- UPI GST Threshold Calculator — Check whether your UPI collections cross the ₹20L/₹40L GST registration threshold (Coming Soon).
- UPI Autopay Tracker — Track your UPI Autopay mandates, expiry dates, and maximum amounts in one place (Coming Soon).
- UPI Statement Analyzer — Upload a UPI statement to see spend by merchant and flag possible scam transactions (Coming Soon).
Frequently Asked Questions
Is it safe to generate a UPI payment link or QR code in the browser?
Yes — the live generators build the upi://pay link and QR entirely on your device. Nothing is sent to a server, there is no login, and no payment ever passes through Toolsda; the link just hands off to whichever UPI app the payer opens it in.
How do I spot a fake or scam UPI QR code?
The most common trap is a "scan to receive" QR that is actually a collect request, or a QR whose payee name doesn’t match who you think you’re paying. The UPI ID & QR Code Safety Checker parses any UPI ID, link, or QR and flags mismatched handles and collect-request patterns before you approve anything.
What are UPI transaction limits?
NPCI sets an overall per-transaction ceiling, and each bank or app can set its own — tighter — daily and per-transaction caps on top of that, so the number that actually applies to you depends on your bank and app. The Limit Checker breaks this down app by app rather than quoting one number that goes stale.
My UPI payment failed but the money was still debited — what do I do?
Most failed debits auto-reverse to your account within a bank-defined window, typically a day or two. If it doesn't reverse, raise a dispute from the transaction in your UPI app (or with your bank) using the UTR — the Dispute Helper (Coming Soon) will generate the exact steps and an email template for this.