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Global payment QR workspace

Global Payment QR Generator

Create native draft payloads for SEPA, UPI, Pix, and PromptPay, or safely encode provider-issued payment payloads for major regional schemes.

Free to use The QR payload and image are generated in this browser. Nothing is sent to Lucaden.

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How it works

Complete the job in three clear steps

  1. Choose the payment scheme used in multiple regions and enter only verified recipient details or an official provider payload.
  2. Review the exact encoded payload, recipient, amount, currency, reference, and scheme-specific limitations.
  3. Download the PNG, scan-test it in the intended bank or wallet app, and confirm the displayed recipient before distribution.

Important

Check the result before relying on it

Scan-test generated codes before printing or distribution. A generated barcode does not register identifier ownership, and decoded external links should be checked before opening.

Practical details

What this Lucaden tool does

Open standards use locally generated draft payloads; provider-managed schemes preserve the official payload exactly as entered.

The workspace does not enroll recipients, call banking APIs, initiate transfers, or confirm that money was received.

Included capabilities

  • Four native payment payload builders
  • Major regional provider-payload modes
  • Exact payload preview
  • Local PNG generation

Useful for

  • Prepare an invoice QR
  • Create a regional payment handoff
  • Scan-test bank-app compatibility
  • Keep a payment reference with the QR

Questions

About this tool

Does Lucaden send or confirm the payment?

No. This tool only creates the QR image and exact encoded payload. The payer's bank or wallet performs the transfer, and receipt must be confirmed from bank, PSP, ERP, or TMS evidence.

Why do some schemes require a provider-issued payload?

Many national schemes require merchant enrollment, provider credentials, signed data, or acquirer-controlled fields. Lucaden preserves those official payloads instead of inventing credentials or claiming enrollment.

Keep going

Related Lucaden tools

SEPA payment QRCreate an EPC069 SEPA Credit Transfer QR payload for invoice and payment-data capture.UPI payment QRCreate a UPI pay URI and downloadable QR from a VPA, payee name, amount, and reconciliation reference.

Open-source foundations

Built transparently

Lucaden documents its standards sources, architectural references, and permissive runtime dependencies while keeping this workspace consistent with the Lucaden interface.

European Payments Council EPC069-12Public guidance sourceNPCI UPI circularsPublic scheme guidance sourceBanco Central do Brasil Pix manualPublic regulatory manual sourceBank of Thailand Thai QR standardPublic policy guideline sourceEMVCo merchant-presented QR specificationPublic specification sourceThird-party noticesLicenses and attribution