UpiLink

Generate UPI payment deep links and QR codes in Ruby/Rails — no payment gateway, no merchant account, no transaction cut. Just link generation for direct P2P-style UPI collection.

Installation

Add to your Gemfile:

gem 'upi_link'

Then run:

bundle install

Or install directly:

gem install upi_link

Usage

Quick link generation

require 'upi_link'

link = UpiLink.generate(
  pa: "yourvpa@okhdfcbank",
  pn: "Reel Store",
  am: 499,
  tn: "Order #1234"
)
# => "upi://pay?pa=yourvpa%40okhdfcbank&pn=Reel+Store&cu=INR&am=499.00&tn=Order+%231234"

VPA validation

UpiLink::VpaValidator.valid?("name@okhdfcbank")  # => true
UpiLink::VpaValidator.valid?("invalid vpa")      # => false

UpiLink::VpaValidator.validate!("bad-vpa")       # raises ArgumentError

Full builder with all options

uri = UpiLink::UriBuilder.new(
  pa: "yourvpa@okhdfcbank",
  pn: "Reel Store",
  am: 499,
  tn: "Order #1234",
  tr: "TXN20260708001",
  mc: "5411"
).to_s

QR code generation

qr = UpiLink::QrGenerator.new(link)

File.write("payment_qr.svg", qr.to_svg)
File.write("payment_qr.png", qr.to_png)
puts qr.to_terminal  # preview in terminal

Mobile intent link (for HTML views)

UpiLink::IntentLink.html_link(link, label: "Pay via UPI")
# => "<a href=\"upi://pay?...\">Pay via UPI</a>"

In a Rails view:

<%= raw UpiLink::IntentLink.html_link(@payment_link, label: "Pay Now") %>

What this gem does NOT do

This gem generates payment request links only. UPI does not provide a callback or webhook for raw deep links, so this gem cannot confirm whether a payment succeeded. For that:

Manually mark orders as paid (suitable for small sellers, low volume)
Or integrate a PSP like Razorpay/Cashfree if you need automated payment confirmation

This tradeoff is intentional — it's what makes the gem free and gateway-independent.

Supported UPI parameters

Param	Required	Description
`pa`	Yes	Payee VPA (e.g. `name@bank`)
`pn`	Yes	Payee name
`am`	No	Amount (formatted to 2 decimals)
`tn`	No	Transaction note
`tr`	No	Transaction reference ID
`cu`	No	Currency (defaults to `INR`)
`mc`	No	Merchant category code

Development

bundle install
bundle exec rspec

Contributing

Bug reports and pull requests welcome at https://github.com/YOUR_USERNAME/upi_link.

License

MIT