Free for small shops
One bill, a QR code each,
nobody pays twice.
Four friends finish dinner at your hotel, one bill of ₹8,000. Enter the amount, tap 4, and each person gets their own QR code for their own share. The money lands straight in your UPI account.
No app to install · Nothing to pay us · Works on any phone
Paying a bill? Open it here
Enter the 6-character code the shop gave you.
How it works
- 01
Enter the bill, pick how many
Type ₹8,000, tap 4. Each share is worked out to the paisa, and you see the numbers before anything is created.
- 02
Everyone scans their own code
Each share gets its own QR and its own reference. Four people can pay at once from their own phones, so nobody waits at the counter while the others find their wallets.
- 03
Tick them off as they land
Your bank alert tells you the money arrived and you tap “received”. The bar fills up, and you can see at a glance who is still to pay.
The things that go wrong with splitting a bill, designed out.
Every part stays at or below ₹1,999, and a bill can be up to ₹10,000.
Nobody pays twice
A share’s amount is fixed the moment the split is created and never recalculated. Confirming the same payment twice does nothing the second time — the database refuses it, not a piece of hopeful code.
Nobody starts over
Phone died? Tab closed? Reopen the split with its 6-character code on any phone and you are exactly where you left off — same shares, same amounts, same references.
The maths always holds
Received plus outstanding always equals the bill. Every total is worked out from the shares themselves, so there is no running tally that can quietly go wrong.
We never touch your money
UPI1999 generates QR codes and keeps score. It is not a payment company, and it is built so it could not become one by accident.
Payments go straight to you
Every QR points at your own UPI ID. Your customer’s bank pays yours, authorised by their UPI PIN in their own app. We hold no float, no escrow and no settlement account.
You confirm it, not us
Because we are not part of the payment, nothing tells us it happened. You already get a bank alert when money lands — you tap to confirm. That is an honest ledger rather than a guess.
Nothing sensitive is stored
Sign in with Google and we keep your name, email and your own UPI ID. No bank credentials, no card details, no UPI PIN — we could not ask for them if we wanted to.
Free, with no cut of your money
There is no per-transaction fee, because we never handle the transaction. Splits are capped so this stays a counter tool for everyday bills.
UPI1999 is not affiliated with NPCI, and is not a payment aggregator, payment gateway or prepaid instrument issuer. It does not provide credit and charges no interest or fees. Any arrangement over a bill is strictly between you and the people paying it.
Questions shops ask
What is UPI 1999?
UPI 1999 is a free tool for shops, restaurants and small businesses in India. It splits one bill into several parts and gives each part its own UPI QR code, so several people can each pay their own share from their own phone.
How do I split a UPI payment between several people?
Enter the bill amount and choose how many people are paying. Each person gets a QR code for the exact amount of their share, worked out to the paisa. They scan it with their UPI app and pay the shop directly. The shop ticks each part off as the bank alert arrives.
Does UPI 1999 hold or process my money?
No. Every QR code points at the shop's own UPI ID, so the money goes from the customer's bank straight to the shop's bank. UPI 1999 is not a payment aggregator or payment gateway, holds no funds, and is not affiliated with NPCI.
How does the shop know someone has paid?
From its own bank alert. Because UPI 1999 is not part of the payment, it cannot see a payment happen — the shop taps "received" when the money arrives, and the bill updates for anyone who has it open, or reopens it.
Can someone be charged twice for the same share?
No. Each share's amount and reference are fixed when the bill is created and never recalculated, and confirming the same share twice has no effect the second time.
What happens if a phone dies halfway through paying?
Nothing is lost. Reopen the bill with its 6-character code on any phone and every share is exactly where it was — same amounts, same references.
What are the limits?
A bill can be up to ₹10,000, split into as many as 20 parts, and each part is at most ₹1,999.
Is it free?
Yes. There is no fee per transaction and nothing to install. Customers pay with the UPI app they already have; the shop signs in with a Google account.
Does splitting a payment reduce UPI charges (MDR)?
UPI 1999 is not a way to avoid charges, and does not claim to be. For small shops there is nothing to reduce: the small-merchant threshold is ₹1,00,000 of UPI credits a month, counted across everything a shop receives — below it UPI costs nothing, and splitting a bill does not change which side of it a shop is on. Above it, from 15 October 2026, payments over ₹2,000 attract 0.4% — and breaking one payment into several to get under that is transaction structuring, which banks flag and which can get the account frozen. UPI 1999 is for dividing a bill between people.