Explained: What is 123PAY and how you can use it to make UPI payments without internet connection

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Reserve Bank of India (RBI) has launched a new UPI service, 123PAY, that is aimed to help almost 40 crore feature phone users in the country. The new feature was announced by RBI governor, Shaktikanta Das. Till now, UPI payments were only possible through payment applications on smartphones and USSD-based service for feature phones. But as per deputy governor T Rabi Shankar the latter has been found to be cumbersome due to the unavailability of the services on several mobile networks.
What is UPI 123PAY
As mentioned above, the UPI 123PAY is aimed to help feature phone users make digital payments easily. The new feature will work on simple phones and it also does not require an internet connection. As explained during the event, 123PAY is a three-step method to initiate and execute UPI transactions for users.
The feature will allow users to make transactions through feature phones in four different ways – calling an interactive voice response (IVR), using app functionality in feature phones, proximity sound-based payments, and through a missed call functionality.
Using the 123PAY feature you can make payments, recharge FAST Tags for vehicles, pay utility bills and it also allows you to check your account balance that is linked with UPI. Apart from that, the new feature will allow you to set or change your UPI PINs. National Payments Corporation of India (NPCI) has launched a 24×7 helpline for digital payments with an aim to support 123PAY. Users can visit www.digisaathi.info or call on 14431 and 1800 891 3333 from their phones for their queries on digital payments and grievances.
How to make digital payment without internet connection through UPI 123PAY IVR calling service
One of the simplest ways to use the UPI 123 PAY feature is through IVR service. To know how to use this feature, you can follow these steps:

  • Dial the number 08045163666 from the phone.
  • Select your preferred language.
  • Tap on the ‘1’ key on your phone to transfer money.
  • Select the bank paired with UPI by saying the bank name.
  • Tap ‘1’ key to confirm the details.
  • Tap the ‘1’ key to send money by using your mobile number.
  • Enter the mobile number.
  • Confirm the details.
  • Enter the amount that you want to transfer.
  • Enter your UPI PIN and authorise the money transfer.



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