What is RBI UPI123Pay? || How to use UPI 123PAY in feature phone.

What is RBI UPI123Pay? || How to use UPI 123PAY in feature phone.

Learn what is UPI 123PAY, how to make UPI payments and how to use it in feature phones. (RBI UPI 123Pay for Feature Phones, Download, Number, NPCI, IVR Phone Number).

The Reserve Bank of India (RBI) has launched a new UPI service, 123PAY, on 8 March 2022 this year, which aims to help around 400 million feature phone users in India. This new facility 123PAY was announced by RBI Governor Shaktikanta Das.

UPI123Pay: Reserve Bank of India (RBI) has launched such a service, in which people who do not have smartphone and internet connectivity get the option to make payments digitally.

In the last few years, India is running number one in the whole world in terms of digital payment options, people are now avoiding cash and most of the payments are made by UPI and online only. But for those people of the country who do not have a smartphone and those places where there is no internet, UPI123Pay will be very useful.

RBI UPI123Pay

This article explains in detail what is 123PAY UPI and how you can use it to make UPI payments using feature phones now without internet connection. As we mentioned earlier in this article, UPI 123PAY aims to help feature phone users make digital payments with ease.

Till now, UPI payments were only possible through payment applications on smartphones and USSD-based service for feature phones. But according to Deputy Governor T Rabi Shankar, due to non-availability of internet services on many mobile networks, it was found that its usage is limited.

Let’s learn how to use UPI123Pay for feature phones.

Also read:

by Missed Call

To make payment through this process, the merchant outlet has a number near the QR code on which the number has to be missed, after which a call will come on your number in which you have to give payment related information.

In this, information related to payment will be asked and finally you have to enter your UPI 123 PIN code and after entering the PIN code, your payment will be successful.

By UPI 123 Pay App

To make UPI 123 Pay easy, RBI is going to release UPI 123 Pay App and this app will be supported in all smartphones and Android phones.

To make payment with this app, first you have to install UPI123 Pay App, after that you can make payment by entering your PIN code with the help of this app and apart from this you can also pay electricity bill or take advantage of facilities like mobile recharge. can |

Through IVR (Interactive Voice Response)

To make payment through IVR, first you have to call the number 08045163666 issued by RBI, after that you have to select the option through computer voice. In the end you will be asked the pincode by the fruitful step, after which you will be paid.

by Proximity Sound Based

Proximity Sound Based is such a payment process under which we can make payment by sound wave, this is a new technology through which we can make payment through our UPI PIN by calling 6366 200 200 through simple mobile without internet |

What is UPI 123Pay?

This payment service was launched by the Reserve Bank of India along with the National Payment Corporation of India (NPCI) on March 8, 2022, UPI 123Pay. It is a service that allows users of feature phones to use UPI; Its specialty is that it allows anyone to make payments without internet.

Launched primarily for feature phones, UPI123PAY will also have all the necessary features for smartphone users. Using the 123PAY facility, the user does not require any kind of internet connectivity to do online transactions. Also, this payment service can be easily accessed in various Indian languages.

The best part is that the new feature will work on regular phones as well and you don’t even need an internet connection. As mentioned during the launch of the UPI123PAY App, 123PAY is a three-step method for users to initiate and execute UPI transactions.

The feature will allow users to transact through the feature phone in four different ways – making an interactive voice response (IVR) call, using the app in the feature phone, proximity voice-based payments, and with missed call functionality. I through.

What is RBI UPI123Pay? || How to use UPI 123PAY in feature phone.

“Today two landmark initiatives are being launched, which are UPI 123Pay and DigiSaathi. These two represent two diverse but important dimensions of our payments ecosystem. There are broadly three steps in UPI123Pay that a user will take to complete the transaction. UPI123Pay is all about empowering more people to have an onboard digital experience through feature phones. Digit Saathi is about further enhancing the trust in the digital payments ecosystem,” RBI Governor Shaktikanta Das said.

Das said, “The launch of UPI123pay has made the facilities under UPI now accessible to the poor section of the society which was till now out of the digital payment landscape. In this way it is promoting financial inclusion in our economy.”

यूपीआई भुगतान सेवाUPI 123Pay
लॉंचकर्ताभारतीय रिजर्व बैंक
123Pay कब लॉन्च हुआ8 मार्च 2022
किसके लिए उपयोगीफीचर फोन (साधारण फोन) यूजर
संबंधित वेबसाइटwww.digisaathi.info
123Pay हेल्पलाइन नंबर14431 and 1800 891 3333

What is the meaning of UPI, what is its full form?

Unified Payments Interface (UPI) is a system that powers multiple bank accounts in a single mobile application (of any participating bank), along with multiple banking features, seamless fund routing and Merchant merges payments into a single unified system.

At present, people have effective access to UPI on smart phones in the country. UPI can be accessed through NUUP (National Unified USSD Platform) using a short code of *99#. But this option is complicated and not popular either. Considering that there are over 400 million feature phone mobile customers in the country, RBI UPI123pay has materially improved the options for using UPI for such users. Because now with the help of UPI123Pay RBI, it has become easy to transfer money even for people having feature phones.

Press Release on UPI 123Pay Service of Reserve Bank of India A 24×7 helpline – ‘Digi Sathi’ provides a channel for getting assistance on all aspects of digital payments. Automated responses to information related to digital payment products and services are available in Hindi and English through multiple options such as – (a) toll-free number (1800-891-3333), (b) a short code (14431) , (c) website – www.digisaathi.info, and chatbots. In addition Digisathi will assist users with their queries on digital payments through website and chatbot facility and through toll-free calls where the user can dial or call the options/products for which information is required.

The above initiatives are envisaged to accelerate the process of digital adoption in India, thereby creating a rich and inclusive ecosystem that can accommodate a large segment of the population. More interactive options and language options will be enabled going forward, as per RBI’s press release.

How to use UPI123Pay?

Presently there are more than 400 million feature phone users in India, and all these feature phone users are deprived of digital payment solutions. Keeping this in mind, Reserve Bank of India has launched a feature phone based payment solution to promote digitization by creating a server side common library for making digital payments by which feature phone users are included. has gone.

The advantage of feature phone based payments is that there is no dependency on internet connectivity and this facility is available in many Indian languages. With the help of which both smartphone and feature phone users can now easily take advantage of digital payments conveniently on their own devices. Introducing UPI 4 feature phone, now pay in minutes from your feature phone.

Use it in just three easy steps:-

  • Call. (Call 080 4516 3666)
  • Choose. (Select transaction method)
  • Pay. (Enter UPI PIN to make payment)

Step 1:

For on-boarding, the user has to link his bank account with his feature phone.

Step 2:

To make a payment or transaction using their feature phone, the user needs to set up his/her UPI PIN with the help of his/her debit card details and registration is done.

Step 3:

Now when you want to transfer money to family member or your friend. So you have to call on the prescribed IVR number and can proceed to choose from the mentioned options. Like Money Transfer, LPG Gas, Fastag Recharge, Mobile Recharge, EMI Repayment, Balance Check etc.

To send money, you have to select the money transfer option displayed on your phone screen. Then you have to select the phone number of your family member or friend to make the payment and enter the amount or money you want to make the payment and enter your UPI PIN to authorize the payment. Similarly, you can send money to anyone.

Similarly, you will also have several feature phone based payment solutions to choose from and they can make digital payments with ease. Like user can also make app based payment on feature phone or pay by giving missed call on given number using missed call pay facility or payment by tapping their feature phone on voice based device using voice based payment technology can do.

Initially once the UPI PIN is set, the user can use his feature phone to perform transactions like a smartphone user. The feature phone user has to call the IVR number and select the phone based on the service required such as balance check, money transfer, mobile recharge, etc.

Now over 400 million feature phone users can also take advantage of digital payment solutions to make digital payments.

123PAY is a three-step method for users to initiate and complete UPI transactions. The facility will allow users to transact through the feature phone in four different ways.

Calling an interactive voice response (IVR)

UPI payments through pre-defined IVR numbers 080 4516 3666 and 080 4516 3581 will require users to initiate a secure phone call from their feature phone to a predetermined number. Additionally, UPI on-boarding formalities would need to be completed to be able to initiate financial transactions without an internet connection. For the convenience of the people, multiple language options have been provided in IVR with which, customers can avail this service in their preferred languages.

IDFC Bank and City Union Bank have gone live on this solution designed by UltraCash and you can avail the service.

Step by Step Process:


UPI 123Pay भुगतान IVR नंबर के माध्यम से
UPI 123Pay payment through IVR number
1उपयोगकर्ता फोन से आईवीआर नंबर डायल करेंUser dials IVR number from phone
2जैसे ही उपयोगकर्ता कॉल पर आगे बढ़ता है, फर्स्ट टाइम यूजर की प्रोफ़ाइल बन जाती हैAs the user proceeds on the call, the profile is created for the first-time user
3उपयोगकर्ता सूची खाता गतिविधि के लिए बैंक के नाम का उल्लेख करता हैUser mentions the bank name for list account activity
4यूपीआई आईडी उपयोगकर्ता को mobile.voice@psp प्रारूप में सौंपा गया हैUPI ID is assigned to the user in the format mobile.voice@psp
5फिर उपयोगकर्ता को डेबिट कार्ड विवरण और प्राप्त ओटीपी दर्ज करके यूपीआई पिन सेट करने के लिए कहा जाता है, यदि पहले सेट नहीं किया गया हैThe user is then asked to set UPI Pin, if not set earlier, by entering debit card details and OTP received
6उपयोगकर्ता को UPI नंबर बनाने के लिए कहा जाता है, जिसका उपयोग भुगतान भेजने / प्राप्त करने के लिए किया जाएगाUser is asked to create UPI No which will be used for sending/receiving payments
7उपयोगकर्ता UPI लेनदेन करने के लिए तैयार हैUser is ready to do UPI transaction

By using the app in feature phones For this, an app will be installed by the user on the feature phone, through which many UPI functions available on the smartphone will also be available on the feature phone.

This digital solution is a UPI app on feature phones developed by Gupshup in association with Airtel Payments Bank. As such, interested solution providers will need to partner with feature phone mobile manufacturers (OEMs) to enable a native payment app developed in the embedded C language (or as supported). This UPI app is similar to the look and feel smart phone based app, though it can be used with some limitations of feature phones. Currently it can offer majority of UPI functionality except Scan and Pay, which is a work in progress.

Proximity sound-based payments

It uses sound waves to enable contactless, offline and proximity data communication to any device. The solution is proximity voice-based payments built in association with Tonetag and supported by NSDL Payments Bank. The technology uses sound waves to enable contactless, offline and proximity data communication to any device.

Users can tap any phone using Tonetag’s VoiceSe payment solution and make UPI payments to merchants. User calls IVR number 6366 200 200 and selects Pay to Merchant option. They tap their mobile phone on the merchant device (POD), and press # when the unique tone of the POD is generated. The user then enters the amount to make the payment, followed by his UPI PIN to complete the transaction. The POD acknowledges the transaction status and the user receives a confirmation through an IVR call.

Through missed call functionality

Allowing feature phone users to access their bank account and perform regular financial transactions like receiving or transferring money, making purchases, paying any bills, etc. by giving a missed call to the number displayed at the merchant’s location in a missed call-based manner Will give At the time of billing, the merchant will generate a token with the customer’s mobile number and the bill amount for his purchase. The customer can then give a missed call to the number set by the merchant and immediately the customer will receive an incoming call from 08071 800 800 asking to authenticate the transaction by entering the UPI PIN. This solution is developed by Miscolpay with Bank of India as a subsidiary bank.

In simple words- this feature will allow phone users to access their bank account and perform regular transactions like receiving, transferring money, regular shopping, bill payment etc. by giving a missed call to the number displayed at the merchant outlet. The customer will receive an incoming call to authenticate the transaction by entering the UPI PIN.

Key Steps to Make UPI Payments on Feature Phones || How to use UPI123?

‘यूपीआई 123 पे’ का उपयोग
1अपने फोन पर आईवीआर नंबर 08045163666 डायल करें। (Dial the IVR number 08045163666 on your Feature phone)
2आईवीआर मेनू पर, अपनी पसंदीदा भाषा चुनें। (Now select your preferred language in the IVR menu)
3अब, UPI से जुड़े बैंक को चुनें। (Now, select or choose the bank linked with UPI)
4अपने विवरण की पुष्टि करने के लिए ‘1’ दबाएं। (Press ‘1’ to confirm the entered details)
5अपने मोबाइल नंबर का उपयोग करके पैसे भेजने के लिए ‘1’ दबाएं। (Press ‘1’ to send money by using your mobile number)
6प्राप्तकर्ता का मोबाइल नंबर दर्ज करें। (Enter recipient’s mobile number)
7विवरण की पुष्टि करें। (Confirm the details)
8अब, वह राशि दर्ज करें जिसे आप स्थानांतरित करना चाहते हैं। (Now, enter the amount you want to transfer)
9अपना यूपीआई पिन दर्ज करें और धन हस्तांतरण को अधिकृत करें। (Enter your UPI PIN and authorize money transfer)

UPI 123 Pay:

It lets users start paying money online to family and friends whenever they want, pay utility bills, recharge your vehicle’s FASTag, and pay mobile bills And it can also allow users to check account balance. So here are its umpteen benefits, now customers will also be able to link bank accounts, set or change UPI PIN.

UPI123Pay includes four options:

UPI123Pay में उपलब्ध चार विकल्प
1मिस कॉल (Missed call)
2ऐप-आधारित (App-based functionality)
3इंटरएक्टिव वॉयस रिस्पांस (आईवीआर) (Interactive Voice Response) (IVR)
4निकटता ध्वनि आधारित भुगतान (Proximity sound-based payments)

What is RBI UPI 123 Pay IVR Number

Make UPI payment through pre-defined IVR number 080 4516 3666 and 080 4516 3581

UPI payments through pre-defined IVR numbers (080 4516 3666 and 080 4516 3581) will require users to initiate a secure call from their feature phone to a predetermined number and be able to initiate financial transactions without internet UPI on-boarding formalities have to be completed for this to happen.

With IVR offering multiple language options, customers can avail the service in their preferred languages. IDFC Bank and City Union Bank have gone live on this solution designed by UltraCash.

UPI 123Pay App Download (UPI 123Pay App Download)

The app has been launched and will soon be available for use in feature phones. We are going to list down the steps that you need to take to download UPI 123Pay on your feature phone. UPI 123Pay download links will be available in the below link. But the link will be activated soon after the availability of this app.

Importance and usefulness of UPI123PAY

UPI123PAY for feature phones in this service will include all the necessary features of a smartphone. This initiative will improve digital payments in the country to a higher level, thereby paving the way for a cashless economy in India, which is also the dream of the Prime Minister of our country, Shri Narendra Modi.

Summary: What is Reserve Bank of India (RBI) UPI 123PAY?

This article explains in detail what is 123PAY UPI and how you can use it to make UPI payments using feature phones now without internet connection.

UPI 123PAY is an instant payment system for feature phone users who can access the Unified Payments Interface (UPI) payment service in a safe and secure manner. Through UPI 123PAY, feature phone users will now be able to make multiple transactions based on four technical options. These include calling IVR (Interactive Voice Response) numbers, app functionality in feature phones, missed call-based approach and proximity voice-based payments.

Frequently asked questions related to UPI 123PAY

Q: What Is UPI 123Pay?

Ans: UPI 123Pay Is A New Way Of Payment For The Users Of Feature Phones, That Too Without Internet Connection, These Are The Biggest Feature Of This UPI Based Payment Service. Reserve Bank Of India (RBI) Has Launched Unified Payments Interface (UPI) Service For Feature Phones, Called UPI 123Pay. Currently, Effective Access To UPI Is Available On Smart Phones, But This Service Has Been Introduced Exclusively For The Users Of Feature Phones.

Q: How To Use UPI 123pay?

Ans: The User Has To Link His Bank Account With His Feature Phone. To Make A Payment Or Transaction Using His Feature Phone, The User Needs To Set His UPI PIN With The Help Of His Debit Card Details For UPI Registration.

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