Bill above ₹2000?
Pay it in tukde.
Split one UPI payment into parts of ₹1999 or less and pay each from GPay, PhonePe, Paytm or any UPI app. Free, no signup, nothing leaves your phone.
₹5,000₹1,999₹1,999₹1,002
How it works
- Enter the bill and the merchant's UPI ID from their sticker or invoice.
- Split — TukdaPay breaks it into parts at or under your limit, each tagged Part 1/3, Part 2/3… so the shop can match them.
- Pay each part — every Pay button opens your own UPI app with the amount filled in. Tick them off as you go.
Why people use it
- Nothing leaves your phone. No account, no server, no bank details. It only writes
upi://paylinks. - Works with every UPI app. Google Pay, PhonePe, Paytm, BHIM, CRED, bank apps — on a computer, scan the QR instead.
- Free and open source. MIT licensed. Read the code, fork it, fix it.
Questions
- What does TukdaPay do?
- It takes one amount and breaks it into several UPI payments that each stay at or under a limit you choose (₹1999 by default). Each part gets its own Pay link or QR code.
- Does it move money?
- No. TukdaPay only prepares upi://pay links. Your own UPI app makes every payment, and this page never sees your bank details.
- Which UPI apps work?
- Any app that handles UPI links: Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, CRED and bank apps. On a computer, scan the QR code with your phone.
- Can I change the ₹1999 limit?
- Yes. Open “Max per payment” above the Split button and set whatever limit applies to you.
- Is it free and open source?
- Yes. MIT licensed on GitHub. No signup, no ads, no tracking.
From the blog
- How to split a UPI payment above ₹2000Step-by-step: break a bill over ₹2000 into UPI payments of ₹1999 or less and pay each one from GPay, PhonePe or Paytm.
- The ₹2000 UPI threshold: what to check before you payPer-transaction UPI rules change often. How to find out what actually applies to your payment today, from the sources that decide it.
- Does splitting a UPI payment actually save money?A worked example of when paying a bill in parts saves a per-transaction charge, when it saves nothing, and what it costs in time.