Merchant UPI QR Code Standard

The Merchant UPI QR Code standard follows a structured format defined by the NPCI (National Payments Corporation of India). The QR code typically contains a URI (upi://pay) with parameters describing the merchant and payment details.

Merchant UPI QR Code Format

The general structure of a UPI QR Code string is:

upi://pay?parameter1=value1&parameter2=value2&...

Key Parameters in a UPI QR Code

Parameter Description Required?

pa Payee address (VPA, e.g., merchant@bank) Yes

pn Payee name Yes

mc Merchant category code (MCC) Yes

tid Terminal ID (unique to the device) Optional

tr Transaction reference ID Optional

tn Transaction note Optional

am Transaction amount Optional

cu Currency code (e.g., INR) Yes

url URL for additional information Optional

Advanced Validation

1. Verify MCC (Merchant Category Code): Check if the mc value matches a valid code as per ISO 18245.
2. UPI ID (pa): Validate its format (<name>@<provider>).
3. Amount (am): Ensure it's a positive decimal value if present.
4. Currency (cu): Confirm it's INR or another valid ISO 4217 currency code.