Cashless Payments via QR & UPI
UPI ID and QR code payment systems are the fastest-growing digital payment modes in India with 200M+ active users. Our QR & UPI API lets any merchant, business or platform generate payment QR codes, verify UPI VPA addresses and collect payments — all via a single API integration.
ZuelPay's NPCI UPI API is an interoperable digital payment solution allowing merchants to enable quick, easy and secured payments via QR code scanning — from PhonePe, Google Pay, Paytm, BHIM and all UPI apps — without exposing any sensitive account details.
API outputs include QR code image (PNG/SVG/base64), UPI deep link, payment string and webhook on successful payment. No additional or hidden charges — transparent pricing with real-time settlement.
Three Types of UPI QR Codes
Static QR Code
A fixed QR code tied to your merchant UPI ID. Customer scans and enters any amount. Generate once, print and use forever — no API call per transaction.
- One-time generation, permanent use
- Customer enters amount manually
- Ideal for physical stores and receipts
- Supports all UPI apps via UPI string
- PNG, SVG and base64 output formats
Dynamic QR Code
QR code generated per transaction with a specific amount, order ID and expiry pre-encoded. Customer scans and amount is auto-filled — no manual entry.
- Per-transaction QR with amount pre-filled
- Order ID embedded for auto-reconciliation
- Configurable expiry (5 mins to 24 hours)
- Webhook on payment success
- Ideal for e-commerce and billing
Merchant QR (Bharat QR)
Interoperable Bharat QR code compliant with RBI and NPCI standards. Accepts both UPI and card payments via a single QR — works with Visa, Mastercard, RuPay and UPI.
- RBI/NPCI Bharat QR compliant
- Accepts UPI + Card payments via one QR
- Supports Visa, Mastercard, RuPay
- PCI DSS compliant — no card data stored
- Ideal for large merchants and franchises
Verify Any UPI ID Instantly
Before sending a collect request or payout to a UPI ID, verify it first — returns the registered name, bank name and account status in under 2 seconds. Prevents wrong transfers and fraudulent UPI IDs.
// POST /v2/qr/generate
fetch('https://api.zuelpay.com/v2/qr/generate', {
method: 'POST',
headers: { 'Authorization': 'Bearer zp_live_xxx' },
body: JSON.stringify({
type: 'DYNAMIC',
amount: 1499,
order_id: 'ORD_2026_001',
description: 'Premium Subscription',
expire_minutes: 15,
format: 'PNG',
size: 512,
notify_url: 'https://yoursite.com/webhook'
})
});
// Returns: qr_image, upi_string, deep_link
Who Uses QR & UPI API?
E-Commerce Checkout
Dynamic QR on checkout page — customer scans and pays instantly. No card data, no redirects, instant confirmation.
Retail & POS Systems
Print static merchant QR at counter. Collect UPI payments from any app without card reader or terminal.
Invoice & Billing
Embed dynamic QR in digital invoices — client pays instantly via UPI from mobile. Auto-reconciled to invoice.
Peer-to-Peer Transfer
Verify recipient VPA before transfer — get their name from bank and confirm before sending payout.
WhatsApp & Social Commerce
Share payment links with embedded QR via WhatsApp — customer taps link and UPI app opens with amount pre-filled.
Banking & Lending
Collect EMI and loan repayments via QR or collect request — with automatic reconciliation to loan account.
Event Ticketing
Issue unique QR per ticket with amount. Collect at gate or online. Webhook marks ticket as paid instantly.
Healthcare & Clinics
Display dynamic QR per patient bill. Patients pay from mobile — doctor portal updated in real time.
Education & Fees
Collect school and college fees via QR without cash handling — auto-matched to student roll number.
Complete UPI & Payment Suite
UPI Collection API
Full UPI collection with QR, VPA and collect requests — T+0 settlement.
🔷UPI Payment Solution
Complete UPI push and pull payment solution for enterprise platforms.
🔐Payment Gateway
Accept cards, UPI, wallets and net banking via hosted checkout.
🏦Virtual Account API
Auto-reconcile NEFT/IMPS/UPI collections via unique virtual accounts.
💸Payout API
Send instant payouts to any UPI ID or bank account via IMPS/NEFT.
✅UPI VPA Verification
Verify UPI IDs and bank accounts before payouts — prevent wrong transfers.
Generate Your First QR Code via API
Static, dynamic and Bharat QR — all formats, all UPI apps, T+0 settlement. Sandbox ready, zero setup fee.