Choose **P2P (unsigned)** for normal VPAs, or **Merchant / Signed** if you have a PSP-issued orgid and server-generated sign.
PhonePe-friendly
Merchant / Signed fields
If you enter a Signing endpoint, this page will POST the unsigned UPI URL to your server and append the returned sign.
The server must sign per NPCI spec and return JSON: {"sign":"...base64..."}.
Open / Share
Sharing the **link** is most reliable for PhonePe; QR images may be treated as media, not “scan now”.
QR (optional)
This QR encodes your upi://pay link. Scan with PhonePe, GPay, or BHIM.