Create UPI Payments Link At Ease: Follow These Steps

Unified Payment Interface or UPI has revolutionised how we spend money in India and took the digital India initiative to a new level. Today, almost every vendor and shopkeeper uses a UPI payment system. As of July 2023, there are around 300 million UPI users in India, and around 500 million merchants use UPI systems for payment purposes. Another feature of UPI is that you can create UPI payment link and send it to the person who has to pay money to you. UPI is among the most secure ways to make payments. 

On that note, we must ask, do you know how to generate UPI payment link? Don’t worry, we will help you every step of the way and by the end of this blog, you will know how to create UPI payment link. 

What Are UPI Payment Links?

Before knowing how to create UPI Payment link, we first have to know what are UPI payment links. UPI Payment Link is an easy and convenient way of collecting payments. This is a form of digital payment where you can send a digital payment link via text message, WhatsApp or e-mail, and the other person can pay you. When the other person opens the link, they are redirected to a payment gateway. Here, they have to enter their UPI ID and the amount they must pay, and the transaction takes place instantaneously. This method of payment ensures the safety of the sender and receiver as in order to create a UPI payment link; a person doesn’t have to share their bank details. The same goes for the sender as well. 

Ways To Create UPI Payment Link

There are a few methods to do it, but for now, we will discuss the two best methods to create UPI payment link. 

Create UPI Payment Link Via Payment Gateway Service

One of the first methods to create UPI payment link is through a payment gateway service. To use this method, just follow a few simple steps: 

  1. Sign up for a payment gateway service like PayU or JusPay.
  2. Create an account and add your bank details.
  3. Once you’ve added your bank account details, enter the following information to create UPI payment link:
  •  Amount
  • UPI ID of the recipient 
  • UPI ID of the sender
  • Payment Description (What is the payment for)
  • Expiry Date (When will the link expire)
  1. Now, you can create your payment link and share it with someone to collect payment.

Create UPI Payment Link Via The UPI App

Another method to create UPI payment link is by your preferred UPI app. To generate UPI payment link with the UPI app, just follow these simple steps:

  1. Open your preferred UPI app.
  2. Select the ‘Send Money’ Option to create UPI link
  3. Enter the following details:
  • Amount
  • Name, Email and Phone number of the recipient
  • Payment description
  • Click ‘generate link’
  1. The payment link is created, and you can send it to people. 

How Are UPI Payment Links Useful?

Now that you know how to create UPI payment link, let’s have a look at some uses of UPI payment links. 

1. eCommerce Platform

UPI payment links can be used from an eCommerce platform at the time of checkout to make quick and safe transactions. 

2. Service Providers

People who provide their services, like freelancers and consultants, can send UPI payment links to their clients and receive payments easily and safely. 

3. Fundraising Or Donation Campaigns

Another use of UPI payment links is that they can be used in fundraising and donation campaigns. The campaign runner can send payment links to people, or they can upload the link on their website. People can then click on the link and make their donations.

4. Peer-To-Peer Transactions

You can send UPI payment links to your friends, family, or acquaintances to receive payment for dinner, gifts, or other shared expenses. 

Benefit Of Using UPI Payment Links

After learning how to create UPI payments and where to use them, now let’s talk about the benefits of using UPI payment links. 

1. Convenience 

Using a UPI payment link ensures that you don’t have to share your bank details with the other person or scan any QR. You just have to click on the link and make the payment, which is very convenient. 

2. Easy Integration And Customisation

Another benefit of using a UPI payment link is that it is very easy to integrate the payment link into your existing website, apps or even chats. More importantly, you can customize the UPI payment link how you want. You can customise payment amounts, payment descriptions and the expiry date of the links.

3. Security

Having a Secure user interface is another benefit of using UPI payment links. For starters, you don’t have to share your details like phone number or email ID with anyone. A UPI link will make the payment safely and easily. 

4. Availability

Nowadays, carrying cash has become obsolete. Everywhere you go you can see UPI QR codes. It is even more true in metropolitan cities of India. Recently, India also made headlines for the most online transactions in the world. This means that UPI links can be shared with many people, making it, one of the most safe and versatile ways to collect payments. 

UPI Payments Taking Digital India To New Heights

Now you know how to create UPI payment link easily with nothing but your mobile phone. This is a very versatile and effective way to make and receive payments in today’s world. By following the steps mentioned above, you can easily create UPI payment link and send it to your peers or clients to receive your payments. It doesn’t matter if you are a small business owner, freelancer or even a street vendor; UPI payment link has got you covered. So, create UPI link today and start taking payments. We hope you liked this blog and comment to let us know which topic you would like us to cover now. 


1- Are UPI payments free?

A- Yes, as of March 2024, UPI payments are completely free. 

2- Are UPI payments safe?

A-  UPI is one of India’s safest ways to make online payments. It uses a robust verification method which makes sure that your hard-earned money is safe. 

3- What is UPI linked bank account?

A- United Payment Interface or UPI works by integrating your bank accounts with its interface to make payments. You can add multiple accounts to the same UPI ID, which is called a UPI-linked bank account. 

4- Can I link UPI with my credit card?

A- Yes, you can link your credit card with a UPI ID. However, the Reserve Bank of India has only allowed RuPay credit cards to be linked with UPI. So if you want to link a credit card with your UPI, you will have to issue a RuPay credit card. 

5- Can we use UPI account outside India?

A-  Yes, UPI can be used outside India. Countries like Oman, Saudi Arabia, UAE, France, Bahrain, Singapore, Maldives and Bhutan allow Indians to make payments through their UPI apps.

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