UPI payment links: fields, encoding and limits

The fields QR Bench uses

Example for explanation only, not a verified payment destination:

Encoding matters

A space becomes %20. An ampersand inside a name becomes %26, so it does not accidentally begin another field. The generator encodes each value separately. Commas and the rupee symbol are display formatting and are never included in the amount field.

Names and notes can contain Unicode. Their encoded form makes the QR denser, so concise notes tend to scan more easily. QR Bench limits names to 70 characters and notes to 80 characters.

Opening on the same phone

After generation, choose Pay with UPI beneath a QR. A compatible mobile browser and installed app may open the payment screen. Desktop browsers and some in-app browsers have no handler for this URI. In that case, scan the QR using another device or import its downloaded image in an app that supports image scanning.

A link is not a checkout integration

Merchant integrations can require additional validated fields, identifiers and server-side confirmation. QR Bench does not invent those values or implement that flow. It creates ordinary payment instructions and cannot enforce an amount, expire a request or confirm settlement.

Use the QR generator to prepare a link and image together. Neither includes a PIN or bank credential.