SmartupiQR 31 Dec 2025

How to Create a SmartUPIQR API Account

How to Create a SmartUPIQR API Account (Step-by-Step Guide)

SmartUPIQR provides a simple and developer-friendly API to generate dynamic UPI QR codes for accepting payments directly into your bank account. Follow the steps below to create your SmartUPIQR API account and start collecting payments instantly.

Step 1: Visit the SmartUPIQR Website

Open your browser and go to the official website: smartupiqr.co.in

Click on the Sign Up or Register button from the homepage.

Step 2: Create Your Account

Fill in the registration form with the required details:

• Full Name
• Email Address
• Mobile Number
• Password

After submitting the form, verify your email address or mobile number using the OTP sent to you.

Step 3: Login to SmartUPIQR Dashboard

Once verified, log in to your account using your registered credentials.

After login, you will be redirected to the SmartUPIQR Dashboard, where you can manage QR codes, API access, and transactions.

Step 4: Add Your UPI Details

SmartUPIQR does not provide a UPI ID. You must add your own:

• UPI ID (VPA)
• Merchant/Business Name
• Bank Account (linked to the UPI ID)

✅ All payments will be credited directly to your bank account via UPI.

Step 5: Choose a Subscription Plan

Select a suitable plan based on your usage:

• Monthly / Quarterly / Yearly plans
• Unlimited Dynamic QR generation
• Zero transaction fees

Complete the plan payment to activate API access.

Step 6: Generate API Key

After plan activation:

1. Go to API Settings or Developer Section
2. Click Generate API Key
3. Copy and store the API Key securely

- This key will be used to authenticate all your API requests.

Step 7: Integrate SmartUPIQR API

Use the API key to integrate SmartUPIQR into:

• Websites
• Mobile Apps
• Billing Systems
• Checkout Pages

You can generate dynamic QR codes by sending:

• Amount
• Order ID / Reference ID
• UPI ID

The API returns a QR code image or payment URL.

Step 8: Display QR & Accept Payments

• Show the QR code to the customer
• Customer scans using any UPI app (PhonePe, Google Pay, Paytm, BHIM, etc.)
• Payment is completed instantly
• Money is credited directly to your bank account

Step 9: Track Transactions

From the dashboard, you can:

• View real-time payment status
• Track successful & failed transactions
• Match payments using Order ID

(Optional) Enable webhooks to get payment updates automatically.

Important Notes:

• SmartUPIQR is not a payment gateway
• No escrow or wallet system
• No transaction settlement delay
• Your UPI ID must be active and verified

Conclusion

Creating a SmartUPIQR API account is quick and easy. With minimal setup, you can start accepting UPI payments via dynamic QR codes and receive funds directly into your bank account with zero transaction fees—making it ideal for startups, merchants, and developers.