A UPI QR code carries a upi://pay link with your UPI ID, so any NPCI app — GPay, PhonePe, Paytm, BHIM — prefills the payment instead of the payer typing an address. QRtor builds the code in your browser and checks the address shape first; it does not process payments and is not a banking service.
Use cases
- Shop counters, stalls, and street vendors.
- Invoices, delivery notes, and price tags.
- Tips, donations, and community collections.