Free UPI Split-Payment & QR Generator
Partition high-value transactions into safe sub-₹2,000 UPI chunks. Generate real-time dynamic QR codes and mobile intent links with 0% gateway fee deduction.
Keep ₹15,000 · Save ₹354 in Gateway Fees
Splitting ₹15,000 into 8 sub-₹2,000 intents completely bypasses the 0.4% October 2026 MDR rule and standard 2% gateway cuts.
Split Configuration
Generated Split Payments (8)
Total: ₹15,000 across 8 steps
All Split Breakdown
Need Split-Pay via REST API?
Connect your Paytm, BharatPe & HDFC accounts. Our API automatically fragments orders, generates dynamic QRs, and fires webhooks on completion.
Why High-Volume Merchants Use Split-Pay Architecture
Learn how decomposing large transaction invoices preserves operating margins and eliminates payment gateway lock-in.
Client-Side Zero Latency
Runs completely inside your browser using standard Web APIs. No bank credentials, API keys, or database connections required.
NPCI ₹2,000 Threshold Compliant
Calculates the exact sub-₹2,000 partitions required to keep all individual transactions within the 0% MDR exempt bracket.
Multi-VPA Rotation Support
Rotate chunks across multiple connected merchant accounts (e.g. BharatPe, Paytm, HDFC) to balance inflows safely.
One-Click Intent App Launch
Direct deep links for PhonePe, Google Pay, Paytm, and BHIM so customers on mobile can pay sequentially with zero friction.
Frequently Asked Questions
Everything you need to know about UPI split payment rules, limits, and compliance.
Why should businesses split UPI payments above ₹2,000?
Starting October 15, 2026, NPCI and banks apply a 0.4% Merchant Discount Rate (MDR) plus 18% GST on commercial P2M transactions exceeding ₹2,000. Transactions of ₹2,000 or below remain 100% free with 0% MDR. Splitting an invoice into sub-₹2,000 chunks keeps every transaction in the 0% fee tier.
Is splitting UPI transactions legal for merchants?
Yes. Merchants and customers are legally entitled to accept partial payments, installment payments, or advance tokens. Splitting invoices across multiple transaction intents or multiple banking accounts is a standard settlement practice used by retailers across India.
Can I automate split payments on my website checkout?
Yes. While this free generator is an interactive browser tool, VyaparGateway provides a developer-first REST API and webhook poller that automatically creates parent split orders, renders dynamic multi-QRs on your checkout page, and delivers instant webhooks upon order completion.
Does this tool store my UPI ID or customer information?
No. All UPI URIs and QR codes are generated purely client-side within your browser. Nothing is sent to or stored on any external server.
Automate UPI Split Payments on Your App or Website
Tired of generating QRs manually? Connect your BharatPe, Paytm, and HDFC accounts to VyaparGateway and collect 100% of your revenue directly into your bank accounts with zero transaction fees.