Static QR Code for UPI Payments
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Static QR Code for UPI Payments: Complete Business Guide 2026

What is a Static QR Code?

A Static QR Code is a fixed QR code that contains your merchant UPI ID and business name. Unlike dynamic QR codes that change per transaction, a static QR code remains the same — customers scan it, enter the payment amount themselves, and complete the transaction.

Static QR is the most widely deployed payment acceptance method in India, used by over 30 million merchants from roadside vendors to large retail chains.

How Static QR Code Works

  1. Merchant displays the QR code at their shop, website, or invoice.
  2. Customer scans the QR using any UPI app (Google Pay, PhonePe, Paytm, etc.).
  3. Customer enters amount and adds an optional note/description.
  4. Customer authorizes the payment with their UPI PIN.
  5. Instant confirmation on both merchant and customer devices.

Static QR vs Dynamic QR: Key Differences

FeatureStatic QRDynamic QR
AmountCustomer entersPre-filled
Unique per txnNoYes
ReconciliationManualAutomatic
Best forRetail, small merchantsE-commerce, enterprises
CostFree/low costPer-transaction API call
Error riskCustomer may enter wrong amountZero — amount is fixed

Benefits of Static QR for Business

  • Zero Setup Cost: Print once, use forever. No hardware or POS device needed.
  • Universal Acceptance: Works with all UPI apps — Google Pay, PhonePe, Paytm, BHIM, and 200+ bank apps.
  • Zero MDR: No merchant discount rate for UPI payments under ₹2,000.
  • Instant Payment: Money reflects in merchant account within seconds.
  • No Internet Required (for merchant): The QR code is just a printed image — the customer phone handles the transaction.

How to Generate Static QR Code

Option 1: Via NxtBanking API

Use the NxtBanking QR API to generate branded static QR codes with your merchant details, logo, and custom design.

Option 2: Via UPI Apps

Most UPI apps (Google Pay, PhonePe) allow merchants to generate their static QR from within the app.

Option 3: Via Bank

Your bank can issue an official Bharat QR code linked to your merchant settlement account.

Best Practices

  • Print in high resolution: Minimum 300 DPI for reliable scanning.
  • Add your business name below the QR for customer confidence.
  • Place at eye level: Counter-height placement ensures easy scanning.
  • Laminate for durability: Protect against wear and weather.
  • Test with multiple apps: Verify the QR works with Google Pay, PhonePe, and Paytm before deployment.

Frequently Asked Questions

What is a static QR code for UPI?

A static QR code contains a fixed merchant UPI ID. Customers scan it, enter the amount, and pay. The same QR code is reused for every transaction.

Is static QR code free?

Yes. Generating and using static QR codes is free. There is no MDR for UPI payments under ₹2,000.

Can static QR be used for online payments?

Yes. You can display a static QR on your website or app for customers to scan with their phone. However, dynamic QR is better for online use as it enables automatic reconciliation.

How many payments can a static QR handle?

Unlimited. A static QR code does not expire and can process unlimited transactions. Each scan creates a new independent UPI transaction.

Generate Your Business QR Code →

People Also Ask

Is static QR code free?

Yes. Static QR codes for UPI payments are free to generate and use. There are no ongoing costs or API charges. You can generate them through any UPI app or your bank and print them for use at your business location.

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