Each generated split QR automatically embeds a distinctive reference note (such as QR 1 Paid, QR 2 Paid) into the payment URI. When the customer scans with Google Pay, PhonePe, or Paytm, their app pre-fills this note so your merchant soundbox announcements and bank SMS alerts announce exactly which sub-payment was credited.

Under NPCI circulars, merchant UPI transactions exceeding ₹2,000 paid via PPI Wallets (Paytm Wallet, PhonePe Wallet, etc.) and RuPay Credit Cards on UPI attract an interchange / Merchant Discount Rate (MDR) fee of up to 1.1%. Transactions of ₹2,000 or less remain 0% MDR. Splitting large payments into parts of ₹2,000 or less eliminates these fees completely.

Yes! Switch the mode to 'Equal Split' and choose the number of contributors (from 2 up to 20 people). The tool instantly calculates everyone's equal share down to the paisa and generates separate scannable QR codes and WhatsApp payment links for each friend.

When a bill cannot be divided into clean paise (for example, splitting ₹100 among 3 people = ₹33.333...), the tool rounds all shares to ₹33.33 and assigns the 1-paisa remainder to the first share (₹33.34). The mathematical sum of all parts is guaranteed to equal the original bill total down to the exact paisa.

Yes. The customer scans QR 1, completes the transaction with their UPI PIN, then scans QR 2 and approves it. Both transfers settle directly into your bank account within seconds.

Watch for your soundbox voice announcement (e.g. 'Received ₹2,000 on PhonePe — QR 1 Paid') or review your bank/app notifications. Because each QR embeds an automated note, you can effortlessly match every portion against your billing register.

Clicking 'Print QR Sheet' renders an ink-efficient, high-contrast print layout containing just the high-resolution QR codes, payee details, and exact payment amounts. Web headers, forms, and buttons are automatically hidden for clean physical counter printouts.

Yes. In India, customers routinely split bill payments across multiple payment modes (e.g. part cash, part UPI), multiple credit cards, or separate digital transactions. Merchants and customers have full flexibility in how a bill is settled.

Yes. Each split card features a 'Copy WhatsApp Text' and 'Copy Link' button. You can tap or click to send personalized payment links directly to group chats or individual customers with one click.

No. All calculation algorithms, note formatting, and QR code rendering execute exclusively on your device inside your browser using client-side JavaScript. No billing data or UPI IDs are ever transmitted to or stored on any server.