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RFC 8905 · BOLT11 · Lightning Network

payto:// meets
Lightning

Encode RFC 8905 payment URIs into BOLT11 Lightning invoice descriptions. Any Lightning wallet can display fiat payment details — UPI, Vipps, PromptPay — without plugins or protocol changes.

Try the demo →
lnbc24610n1p3...
  d payto://upi/alice@bank?amount=INR:500&receiver-name=Alice
   ^ BOLT11 description hash payload — visible in every Lightning wallet

How it works

Three steps from fiat payment link to scannable Lightning invoice

1

Choose a payment system

Select the fiat rail you want to encode. Each system has its own identifier format and currency.

UPI Vipps PromptPay
2

Build a payto:// URI

Enter payment details — identifier, amount, recipient name. The form constructs a valid RFC 8905 payment URI.

payto://vipps/+4712345678
?amount=NOK:150
&receiver-name=Ola
3

Embed in Lightning

The payto:// URI becomes the BOLT11 invoice description. Scan with any Lightning wallet — the fiat payment details appear instantly.

lnbc24610n1...
d = payto://vipps/+47...
    ?amount=NOK:150
Generate an invoice

Fill in the payment details — satoshis are auto-calculated from live BTC rates.

payto://select a payment system and fill in fields...
Lightning Invoice QR
Lightning amount: sats
payto URI:
Node pubkey:
The BOLT11 invoice is structurally valid but cannot be paid — no real Lightning node backs this keypair. The payto URI in the description is informational only.