Free UPI Tools - Payment Link Generator, QR Code Generator, ID Checker, Limit & Fraud Safety
- 96 handles verified 28 August 2026
- 100% private on-device
- No login
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What is UPI?
UPI Tools covers the parts of using UPI that the payment apps themselves don't help with — building a shareable payment link or QR, telling a genuine UPI ID apart from a scam one, and looking up which bank sits behind an unfamiliar handle. As NPCI's UPI ID masking mandate rolls out, more of this — reading a reference number, tracking a mandate, building a dispute — moves from “ask around” to “check a tool”.
Every payment runs on one open format: a upi://pay link or QR opens your UPI app with the payee, amount and note pre-filled. You only enter your UPI PIN to approve — a PIN is never needed to receive money.
Link account
Your bank maps your account to a VPA (your UPI ID) through an NPCI-registered handle, like @ybl or @okaxis. One account can have several IDs across apps.
Pay via intent
A upi://pay link or QR opens GPay, PhonePe, Paytm, or BHIM with the amount, note, and payee pre-filled. You only enter your UPI PIN to approve.
Settle instantly
The payment settles over the IMPS rail in seconds, and a UTR (transaction reference number) is generated — the same number you quote in a dispute or refund request.
Which bank is @ybl?
96 handles verified · DB verified 28 August 2026 · NPCI + bank sites. A reference list, not the live NPCI registry.
| Handle | Bank | App |
|---|---|---|
| @ybl | Yes Bank | PhonePe |
| @ibl | ICICI Bank | PhonePe |
| @axl | Axis Bank | PhonePe |
| @okaxis | Axis Bank | Google Pay |
| @okhdfcbank | HDFC Bank | Google Pay |
| @oksbi | State Bank of India | Google Pay |
| @okicici | ICICI Bank | Google Pay |
| @okbizaxis | Axis Bank | Google Pay |
| @paytm | Paytm Payments Bank | Paytm |
| @ptsbi | SBI | Paytm |
| @pthdfc | HDFC Bank | Paytm |
| @ptaxis | Axis Bank | Paytm |
Showing 12 of 96 handles
Full directoryAll 18 UPI tools
Generate, verify, and stay safe — free, on your device, no login.
UPI limits, app by app
NPCI sets the ceiling — Rs 1,00,000 a day person-to-person, up to Rs 5,00,000 for notified categories like tax and insurance — and each app tightens it further.
| App | Daily ceiling | Count caps |
|---|---|---|
| Google Pay | Rs 1,00,000 | 10/day |
| PhonePe | Rs 1,00,000 | Bank-dependent |
| Paytm | Rs 1,00,000 | 20/day · 5/hour |
| BHIM | Rs 1,00,000 | Bank-dependent |
New payee or device: capped at Rs 5,000 for the first 24 hours (NPCI risk control). Reference list, not a live feed. Sources: NPCI circulars and each app's help center.
Official numbers, three layers
Authoritative and lagging, live advisories, and community patterns — read all three before trusting any single number.
L1 · Official statistics
RBI: 36,075 bank frauds (+166%) · Rs 13,930 cr
RBI annual report and Parliament Q&A — the authoritative, lagging record.
L2 · Live advisories
NPCI Sep 2024: Rs 485 cr saved · 632,000 incidents
Plus the July 29 2025 circular: P2P collect requests removed from Oct 1.
L3 · Community patterns
127 reports · 73% fake screenshot · avg Rs 3,400
Illustrative anonymized snapshot to learn patterns from — not a live feed.
Safety checklist: 5 steps before you pay
If any one of these is true, stop and verify on your own phone first.
No confirmation on YOUR phone
A real incoming payment notifies your own phone or sound box. A success screen that exists only on the customer’s phone is not proof.
Your balance did not increase
Open your own UPI or bank app and check. The seller’s account record decides — never the buyer’s screen.
No bank SMS with a transaction reference
A genuine credit comes with your bank’s own message and reference. An image with no reference, an old date, or a blurred amount field deserves a pause.
They pressure you to hurry
Rush-hour urgency — “I have a bus”, a crowd at the counter — is a reason to slow the handover, not to skip verification.
They ask you to scan, approve, or enter a PIN
A UPI PIN sends money; it is never needed to receive money. Any such instruction is itself the scam.
Choose the right UPI tool
| If you want to... | Use this tool | Why |
|---|---|---|
| Create a QR code to receive payment in your shop | UPI QR Code Generator | Add amount, note, and logo to the QR |
| Share a payment request as a link instead of a QR | UPI Payment Link Generator | Opens GPay, PhonePe, Paytm, BHIM directly |
| Check if a UTR / UPI Reference Number is real or a fake pattern | UTR Validator | Detects 000000000000, sequential, and all-same-digit fake UTRs |
| Check if a UPI ID like name@okaxis is valid before paying | UPI ID Checker | Checks format, bank handle, blacklist patterns |
| Check if a UPI ID or QR code is a scam before paying | UPI ID & QR Code Safety Checker | Catches the "scan to receive" pay trap |
| File a fraud complaint — fake screenshot, QR scam, fake app | UPI Fraud Complaint Generator | Generates 1930 script, cybercrime.gov.in text, NPCI letter, bank email |
| Find out which bank a handle like @okaxis or @ybl belongs to | UPI Handle Directory | Covers 95 verified UPI handles |
| Check GPay, PhonePe or Paytm daily and per-transaction limits | UPI Limit Checker | Covers GPay, PhonePe, Paytm, BHIM limits |
| Turn a UPI statement into a spend report by merchant | UPI Statement Parser | Exports Excel, CSV, JSON — 100% private |
Learn before you create, check or pay
Practical guides with safety limits, worked steps and links to primary sources.
How to Spot a Fake UPI QR Code
The "scan to receive" trap explained — how a fake UPI QR code actually debits you, and what to check before scanning one.
Read guideHow to Create a UPI Payment Link for GPay, PhonePe, Paytm or BHIM
Create a shareable UPI payment link with a payee name, optional fixed amount and note, then understand what happens when the payer opens it.
Read guideHow to Create a UPI QR Code With a Fixed Amount and Note
Generate a reusable or fixed-amount UPI QR, add an optional payment note or logo, choose the right download format, and test it safely.
Read guideUPI safety questions
Is it safe to generate a UPI payment link or QR code in the browser?
Yes — the live generators build the upi://pay link and QR entirely on your device. Nothing is sent to a server, there is no login, and no payment ever passes through Toolsda; the link just hands off to whichever UPI app the payer opens it in.
How do I spot a fake or scam UPI QR code?
The most common trap is a "scan to receive" QR that is actually a collect request, or a QR whose payee name doesn’t match who you think you’re paying. The UPI ID & QR Code Safety Checker parses any UPI ID, link, or QR and flags mismatched handles and collect-request patterns before you approve anything.
What are UPI transaction limits?
NPCI sets an overall per-transaction ceiling, and each bank or app can set its own — tighter — daily and per-transaction caps on top of that, so the number that actually applies to you depends on your bank and app. The Limit Checker breaks this down app by app rather than quoting one number that goes stale.
My UPI payment failed but the money was still debited — what do I do?
Most failed debits auto-reverse to your account within a bank-defined window, typically a day or two. If it doesn't reverse, raise a dispute from the transaction in your UPI app (or with your bank) using the UTR — the Dispute Helper (Coming Soon) will generate the exact steps and an email template for this.
What is the UPI ID masking mandate by NPCI?
NPCI requires apps to mask UPI IDs so the part before @ shows stars instead of a full mobile number — for example 98XXXXXX21@okaxis instead of 9876501234@okaxis. It stops strangers from harvesting your number from a QR. The UPI ID Privacy Checker shows your masked preview and helps you switch to a private username ID.
How do I find which bank is behind a handle like @ybl or @okaxis?
The handle is the suffix after @, and each one maps to a bank or app — @ybl is PhonePe (Yes Bank), @okaxis is Google Pay (Axis Bank). Type the handle into the UPI Handle Directory search: it covers 95 verified handles with the bank, app, and a masked example ID, last verified 28 August 2026 against NPCI and bank sites.
How do I check if my UPI ID exposes my mobile number?
If your UPI ID is your 10-digit number plus a handle (like 9876501234@ybl), anyone you pay can see and reuse your number. Paste it into the UPI ID Privacy Checker: it flags number-based IDs, shows the NPCI-style masked preview, and walks you through creating a username-based ID that hides your number.
How do I create a UPI payment link that works in all apps — GPay, PhonePe, Paytm?
Use the UPI Payment Link Generator: enter the payee UPI ID, amount, and note, and it builds a standard upi://pay link — the same open format every UPI app understands. Share it on WhatsApp or SMS; whichever app the payer taps it in (GPay, PhonePe, Paytm, BHIM) opens with the amount pre-filled.
Is the Toolsda UPI Statement Parser safe for my bank statement?
Yes — the Statement Parser runs 100% on your device: your statement file never leaves the browser, nothing is uploaded, and there is no login. Any example shown on Toolsda is synthetic data (fake names, masked IDs like prXXXXya@ybl), and anything it displays from your own file is anonymized before rendering.
What is the difference between the UPI ID Checker and the Safety Checker?
The UPI ID Checker answers "is this ID well-formed" — format, bank handle, and known-blacklisted patterns. The UPI ID & QR Code Safety Checker answers "is it safe to pay" — it also parses QR codes and links to catch the "scan to receive" collect-request trap. Use the first to validate, the second before every payment to a stranger.
No-recovery-agent pledge
Toolsda never asks for money to recover fraud. No recovery agents, ever. Lost money? Call 1930 (free, 24x7) or visit cybercrime.gov.in.
Handle DB verified 28 August 2026 · NPCI + bank sites · 96 handles ·About ·Privacy ·API ·Guides