How UPI123Pay Will Work On Feature Phones

With the 123PAY feature, you don’t need to be connected to the internet to do business online. This service can also be used in Various Indian languages.

With the new service, both people who have smartphones and people who have older phones can now easily do business online.

Make sure the user links his or her bank account with the feature phone before he or she can start to pay for the service.

Further, if he or she wants to use his or her debit card, he or she will need to set a UPI PIN.

When UPI PIN is set, the user can use his or her feature phone to do the same things as someone who has a smart phone does.

Calling the IVR number is the first step for people who have feature phones. They’ll need to choose a phone based on the service they need. This could be money transfers or LPG gas refills, mobile recharge, balance check, FasTag recharge etc.

Select the Phone number of the person to whom you want to send money, then enter the amount and UPI PIN.

A customer can use an app-based payment method or a missed call payment method to pay for something.

He or she can also use a voice-based method to pay for things online.

UPI123pay will materially improve the options for such users to access UPI. UPI123Pay includes four distinct options as below:

1. App-based Functionality: An app would be installed on the feature phone through which several UPI functions, available on smartphones, will also be available on feature phones.
2. Missed Call: This will allow feature phone users to access their bank account and perform routine transactions such as receiving, transferring funds, regular purchases, bill payments, etc., by giving a missed call on the number displayed at the merchant outlet. The customer will receive an incoming call to authenticate the transaction by entering UPI PIN.
3. Interactive Voice Response (IVR): UPI payment through pre-defined IVR numbers would require users to initiate a secured call from their feature phones to a predetermined number and complete UPI on-boarding formalities to be able to start making financial transactions without internet connection.
4. Proximity Sound-based Payments: This uses sound waves to enable contactless, offline, and proximity data communication on any device.