How to split a UPI payment above ₹2000
You’re at the counter, the bill is ₹5,000, and you need to pay it as several smaller UPI payments. Here’s the whole thing in about a minute.
If a single payment isn’t going through and you’re not sure why, first read what to check when you can’t pay more than ₹2,000 on UPI. Paying in parts only helps with some of those reasons.
What you need
- The merchant’s UPI ID — it’s printed on their QR sticker (usually
something@bank), or ask them. - Any UPI app on your phone: Google Pay, PhonePe, Paytm, BHIM, CRED, your bank’s app.
- TukdaPay’s UPI payment splitter open in your phone’s browser.
Step 1 — Enter the bill
Type the total amount and the merchant’s UPI ID. Add the shop’s name and a note like the invoice or table number if you want it on every payment.
Step 2 — Split
Tap Split into 3 payments (the button counts the parts for you). TukdaPay fills as many parts as it can at the limit and puts the remainder last:
| Part | Amount |
|---|---|
| Part 1/3 | ₹1,999.00 |
| Part 2/3 | ₹1,999.00 |
| Part 3/3 | ₹1,002.00 |
Each part carries its number in the payment note (Part 1/3, Part 2/3…) so the merchant can see they belong together.
For more worked examples, from a ₹4,200 kirana bill to ₹5,500 tuition fees, see bills people split into UPI payments.
The default limit is ₹1,999. If a different figure applies to you, open Max per payment and change it before splitting. Not sure what applies? Here’s how to check what applies to UPI payments above ₹2,000.
Step 3 — Pay each part
Tap Pay on the first part. Your phone asks which UPI app to open (or opens your default). The payee, amount and note are already filled in — you just enter your UPI PIN.
Some apps won’t accept a payment opened from a link, for example to a personal UPI ID. If yours declines it, scan the shop’s QR in your UPI app and type that part’s amount.
Come back to the browser, tick Paid, and repeat for the next part. The progress bar shows how many are left, and it’s saved in your browser, so you can safely switch apps or refresh.
Ask the shop first. Three payments (₹1,999 + ₹1,999 + ₹1,002) look different from one of ₹5,000 on their side, so check they’re happy to take the bill in parts before you start.
On a computer
There’s no UPI app to open, so TukdaPay shows a QR code for each part instead. Scan it with any UPI app on your phone.
Things it can’t do
- It can’t confirm a payment. UPI links don’t report back to a web page, so Paid is your own tick.
- It can’t pay a plain phone number or a bank account. It needs a UPI ID.
- It can’t help with a limit on how much you pay in a day. The parts add up to the same total.
By Arunachalam Kalimuthu, who builds TukdaPay. Found a mistake? Open an issue — this post lives in the repo too.