A UPI QR code can make payment collection easier, but it should never hide who will receive the money. A legitimate payment QR normally encodes a UPI ID and may include a payee name, amount or note.
For merchants creating a QR
Use the UPI QR generator, enter the exact UPI ID and verify the payee details. Test the QR with a small amount before displaying or printing it. If the amount is fixed, label it clearly beside the code.
For customers scanning a QR
Your payment app should show the recipient before you authorise payment. Match that name with the merchant or person you expect. A QR code cannot require your UPI PIN merely to receive money. Enter a PIN only when your payment app clearly shows that you are approving a debit.
Keep the context visible
Do not place payment codes beside unrelated download buttons or misleading advertisements. Businesses should provide an order reference or purpose so payments can be reconciled.
FAQ
Does scanning a QR automatically send money?
No. A reputable payment app shows a confirmation step. Read it before approving.
Can a printed QR be replaced?
Yes. Inspect stickers or signs for tampering and confirm the recipient name in the app.