How to create a QR code for payments

This guide explains how to set up payment QR codes for retail and service scenarios. You will learn which fields are required and how to validate the final result.

What is a QR code and when to use it

Payment QR codes encode recipient details and optionally amount/purpose. The customer scans once and enters the payment flow immediately. This reduces typing errors and shortens checkout time.

Step-by-step instructions

  1. Choose static or dynamic payment mode.
  2. Fill in recipient, merchant name, city, and description.
  3. Validate amount format and required fields.
  4. Generate and test the code in real banking apps.
  5. Publish with clear call-to-action text nearby.

Usage examples

  • Point-of-sale and in-store payments.
  • Service payments and transfer requests.
  • Invoice and receipt workflows.
  • Tips and donation collection.

Common mistakes

  • Missing required input data.
  • Incorrect numeric format in amount.
  • No user hint near printed QR.
  • Skipping real-device payment tests.
  • Poor code contrast on dark surfaces.

FAQ

Yes, static mode allows the payer to enter amount manually.

Yes, dynamic mode supports fixed amount scenarios.

Yes, it is common for SMB, freelancers, and service providers.

Only when payment data changes.

Yes, this is a standard use case.

Create a QR code now

The generator below is preconfigured for this scenario. Fill in the fields, validate the result, and download your QR code.

Open generator

Instructions

Get the payload URL from your bank or via the NSPK API after registering an SBP functional link. Paste it in the field above to generate the QR code.

NSPK documentation: SBP payment link registration
URL parameter reference
Parameter Description Required Format
HOSTqr.nspk.ru for QR_TYPE 01 and 02; sub.nspk.ru for 03YesString
QR_IDSBP functional link identifierYesString-32
QR_TYPE01 — QR-Static; 02 — QR-Dynamic; 03 — QR-SubscriptionYes2 digits
MEMBER_IDBank recipient IDYes12 digits
SUMAmount in kopeksYes if QR_TYPE=021–12 digits
CURCurrencyYes if SUM present3 chars
CRCChecksumYes4 hex chars
Email address to receive payments
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