Generate TPV QR Codes Using UPI Intent Deep Links

Generate TPV QR codes for your securities business using UPI intent deep links. Since TPV-enabled QR codes are not available as a direct product feature, create a deep link via S2S APIs and convert it to a QR code using third-party libraries.

Prerequisites

• Create a Razorpay account.
• Generate the API Keys from the Dashboard. To go live with the integration and start accepting real payments, generate Live Mode API Keys and replace them in the integration.
• Ensure the Third-Party Validation feature is activated on your account.

Sample Code

After creating an order using the Orders API, use the following API call to generate a UPI intent deep link and convert the returned link into a QR code:

Request

curl -X POST https://api.razorpay.com/v1/payments/create/upi \
-U [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-H 'content-type:application/json' \
-d '{
    "amount": 200,
    "currency": "INR",
    "order_id": "order_OJsi0LlycSkGhn",
    "email": "[e-mail]",
    "contact": "9090909090",
    "method": "upi",
    "ip": "192.168.0.103",
    "referer": "http",
    "user_agent": "Mozilla/5.0",
    "description": "Test flow",
    "notes": {
        "purpose": "UPI test payment"
    },
    "upi": {
        "flow": "intent"
    }
}'
```json: Response
{
    "razorpay_payment_id": "pay_OJsij8Hf9lkUMD",
    "link": "upi://pay?mc=5817&pa=merchant@axisbank&pn=MerchantName&tr=OJsij8Hf9lkUMD&tn=Testflow&am=2.00&cu=INR"
}

Request Parameters

amount mandatory : integer Payment amount in the smallest currency subunit. For example, if the amount to be charged is ₹2.00, enter 200 in this field.

currency mandatory : string The currency in which the payment should be made by the customer. For TPV QR codes, this should be INR.

order_id mandatory : string Order ID generated via Orders API.

email mandatory : string Email address of the customer.

contact mandatory : string Phone number of the customer. The expected format is without country code for Indian numbers. Example: 9090909090.

method mandatory : string Payment method. For this integration, set this to upi.

ip optional : string IP address of the customer.

referer optional : string Referer header value.

user_agent optional : string User agent of the customer’s browser.

description optional : string Description of the payment.

notes optional : object Set of key-value pairs that can be used to store additional information about the payment. It can hold a maximum of 15 key-value pairs, each 256 characters long (maximum).

upi mandatory : object UPI specific parameters.

flow mandatory : string UPI flow type. Set this to intent to generate a deep link for QR code creation.

Response Parameters

razorpay_payment_id : string Unique identifier for the payment.

link : string UPI intent deep link that can be converted to a QR code using third-party libraries.

Implementation Steps

Follow these steps to implement TPV QR code payments:

1. Step 1

   Call the UPI payment creation API with "flow": "intent".

2. Step 2

   Extract the link from the response.

3. Step 3

   Use any QR code generation library to convert this link into a QR code.

4. Step 4

   Display the QR code to your customers.

5. Step 5

   Poll Payment APIs to check the payment status.

Watch Out!

• Expiry Management: QR codes generated through this method require expiry handling on your application side.
• Payment Monitoring: Continue monitoring payment status even after your intended QR expiry time, as users may complete payments later.
• Reconciliation: Implement appropriate reconciliation processes to handle payments completed after your QR display period

Convert UPI Intent/Deep Link to QR Code

Use widely available open-source libraries across all major programming languages to generate QR codes from any UPI Intent URL or Deep Link.

Node.js

Use the qrcode library:

npm install qrcode

Given below is a sample code to generate QR code:

Node.js

const QRCode = require("qrcode");

QRCode.toFile("upi_qr.png", "upi://pay?pa=merchant@upi&am=100");

Supports: PNG, SVG, Terminal output.

Python

Use the qrcode library:

pip install qrcode[pil]

Given below is a sample code to generate QR code:

Python

import qrcode

img = qrcode.make("upi://pay?pa=merchant@upi&am=100")
img.save("upi_qr.png")

Java

Use the ZXing (Zebra Crossing) library, the most widely used QR generator in Java-based applications. Given below is a sample code to generate QR code:

Java

QRCodeWriter writer = new QRCodeWriter();
BitMatrix matrix = writer.encode(intentUrl, BarcodeFormat.QR_CODE, 300, 300);

Go

Use the skip2/go-qrcode library:

go get github.com/skip2/go-qrcode

Given below is a sample code to generate QR code:

Go

qrcode.WriteFile(intentUrl, qrcode.Medium, 256, "upi_qr.png")

PHP

Use the endroid/qr-code library:

composer require endroid/qr-code

Given below is a sample code to generate QR code:

PHP

use Endroid\QrCode\QrCode;

$qr = QrCode::create($intentUrl)->writeFile('upi_qr.png');

Android/iOS

Use the ZXing Android embedded library.

Use Native CoreImage (no external dependency required). Given below is a sample code to generate QR code:

iOS Swift

let data = intentUrl.data(using: .ascii)
let filter = CIFilter.qrCodeGenerator()
filter.setValue(data, forKey: "inputMessage")

Handy Tips

Any UPI Intent URL (for example, upi://pay?...) can be passed as a string to any of the above libraries to generate a QR code. These are public, open-source, stable and suitable for your integrations across web, backend and mobile applications.