What is UPI123Pay launched by the government, how it helps small people to transfer money, find out the whole process .............

What is UPI123Pay launched by the government, how it helps small people to transfer money, find out the whole process .............




What is UPI123Pay launched by the government, how it helps small people to transfer money, find out the whole process .............





What is UPI123Pay launched by the government, how it helps small people to transfer money, find out the whole process .............

New Delhi: RBI Governor Shaktikant Das has launched UPI for feature phones, called UPI 123P.

They have also launched a 24x7 helpline for digital payments - Digi Companion.

UPI on feature phones will help people in rural areas who cannot use smartphones.

Here's a look at some of the features you'll find and how to transfer money.






UPI (Unified Payments Interface) '123PAY' will provide services to users who use feature phones.




UPI 123Pay will allow customers to use feature phones for transactions, excluding scans and pens.




No internet connection is required for this transaction.

To use this feature, customers need to link their bank account with a feature phone.




Feature phone users will be able to make a number of transactions based on four technical options.

These include calling the IVR (Interactive Voice Response) number, the functionality of the app in the feature phone, missed call based approach and proximity sound based payment.

Such users can make payments to friends and family.

Can pay utility bills.

Can recharge their vehicles with fast tags, pay mobile bills and check users' account balances.




The customer will also be able to link the bank account, set up or change the UPI PIN.

According to a report, there are an estimated 400 million mobile phone users who have feature phones.




How to Use UPI123Pay -

First of all users have to link their bank account with UPI123Pay.




Users will then have to set up a UPI PIN using their debit or credit card.




Once this is done, users will now be able to avail services by calling IVR from their feature phone, including money transfer, electricity bill, LPG bill etc.

In order to transfer money, the user must first select the service.

After this you have to enter the number to which you want to transfer money, after this you have to enter the amount and register your UPI PIN.




To make a payment to a merchant, the user can select one of the two methods.

The first is by using the app and the second is by making a missed call.


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There is also a voice method of instant money transfer.
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