Easy Guide to Generate UPI Payment Link and Collect Payments Online

Getting paid quickly can be tricky when running a small shop or online business. Customers sometimes make mistakes when entering your UPI ID or scanning a QR code, which can result in delayed or lost payments. And in today’s fast-moving world, every minute counts.

The good news is that UPI payment links make this simple. In August 2025, India witnessed over 20 billion UPI transactions in a single month, demonstrating the rapid adoption of this payment method. With a UPI link, you can send a secure payment request, get paid instantly, and give your customers a smooth, hassle-free checkout. 

In this guide, we’ll explain what UPI payment links are, why they matter, and how to start using them to grow your business and earn customer trust.

What Is a UPI Payment Link?

A UPI payment link is a payment link that enables your customers to pay you directly. They can use any of the UPI apps to pay. This link is an alternative to your UPI ID or QR code. You can send a UPI payment link to your customer, and once they click on it, they will reach their UPI app. Then they can enter the amount and complete the payment smoothly. 

What Role do Payment Links Play in Speeding Up Transactions?

UPI payment links simplify payments. Rather than sharing your QR code and UPI ID repeatedly, you can generate UPI payment link. Customers tap it and pay, no confusion, no mistakes. 

For example, if a customer orders sweets from your shop over WhatsApp, sending a link lets them pay instantly without visiting your store. Here are some of its benefits: 

• NPCI (National Payments Corporation of India) recently upgraded the UPI response time to 10-15 seconds. This means payments are almost instant, helping you serve more customers quickly. 
• Once a customer pays, you immediately know that the payment is successful, and the money is transferred directly to your bank account.
• Mistyped UPI IDs or missed payments are eliminated. Even someone unfamiliar with digital payments can pay correctly using a link.
• Transactions work 24/7, 365 days a year. Whether it is a morning grocery order or a late-night online order, your business can receive payments without delays. 

Why are UPI Links an Essential Tool for Financial Transactions?

Here are some reasons which make UPI links an important tool for financial transactions: 

• Safe and trusted: UPI payment links are built on India’s digital infrastructure and governed by NPCI. This means your customers can pay without worrying about security. 
• Universal and seamless: Any customer with a UPI app can use the link. You don’t need to worry about which app they have. For example, a local customer can pay via Google Pay while another uses PhonePe, and both payments go through smoothly.
• Cost-effective: Most UPI transactions have no fees, making it cheaper than card machines or other gateways. Small shop owners can accept payments without paying extra charges for every transaction.
• Easy to use: Customers don’t need to remember long UPI IDs or scan QR codes. They click the link, enter the amount, and pay. Even someone not tech-savvy can easily complete the payment.
• Instant settlements: Payments are credited to your account immediately. This keeps your cash flow steady, helping you restock inventory, pay suppliers, or manage day-to-day expenses without delays.

How do UPI Payment Links Simplify Transactions for Both Sides?

UPI payment links make sending and receiving money simple and stress-free by removing extra steps for both you and your customers.

For your business:

• Reduce errors: Customers do not need to manually type your UPI ID, so payments are always accurate.
• Direct to your account: Money goes straight to your bank, keeping your cash flow steady.
• Easy sharing: Share links via WhatsApp, SMS, email, or social media, making it convenient for every customer.

For your customers:

• No UPI IDs or QR codes required: Payments can be made from anywhere using a simple link.
• Instant confirmation: They immediately know the payment is successful, which builds trust.
• Quick and hassle-free: Click the link, enter the amount, and pay using any UPI app.

What is the Process to Generate a UPI Payment Link for Businesses?

Creating a UPI payment link is simple, quick, and does not require any card machines or complicated setups. Here’s how you can do it step by step:

1. Sign up: Register on your bank’s app or a UPI payment service provider and set up your merchant profile.
2. Log in: Access your merchant account and look for the option to “Create Payment Link” or “Generate Payment Link.”
3. Enter details: Enter the amount your customer needs to pay and, if required, their contact information.
4. Generate the link: The app creates a unique, secure UPI payment link.
5. Please share the link: Send it through WhatsApp, SMS, email, or any platform your customer prefers.
6. Receive confirmation: Once the customer pays, you get instant confirmation, and the money is credited to your account within seconds.

Why Should eCommerce Businesses Use Shiprocket Checkout?

A smooth checkout process can make a huge difference in online sales. If the checkout process takes too long or is complicated, customers may abandon their carts and leave without making a purchase. Shiprocket Checkout solves this by making payments fast, secure, and easy for your customers.

Some of the significant features of Shiprocket Checkout are:

• One-click checkout: Lets customers complete purchases quickly and easily.
• Personalised offers: Analyses customer behaviour to suggest relevant products or deals.
• Pre-filled addresses: Saves time and reduces errors during checkout.
• Upselling suggestions: Recommends additional products or upgrades to increase cart value.
• Multiple payment options: Supports UPI, cards, wallets, and net banking for customer convenience.

Estimate Your GST in Seconds with Our Easy-to-Use Calculator

Calculating GST manually can be time-consuming and prone to errors. With Shiprocket’s GST Calculator, you can estimate your GST in seconds. It helps you stay compliant, avoid mistakes, and manage pricing efficiently, so you can focus on running your business.

Conclusion

UPI payment links make receiving payments simple, fast, and reliable. By using them, you can reduce errors, get paid instantly, and offer your customers a smooth, hassle-free payment experience. For small shop owners and online sellers, this means more completed orders, better cash flow, and happier customers.

Adopting UPI payment links is not just about keeping up with digital trends; it’s about making your business more efficient and customer-friendly. 

Start accepting payments instantly and simplify checkout for your customers with Shiprocket Checkout. Generate UPI payment links, boost sales, reduce abandoned carts, and make your business more efficient. Get started today!

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