UPI 123PAY: If you want to make a UPI payment through a simple feature phone with a keypad, then just read what to do?

UPI 123PAY is an instant payment service that allows feature phone users to access the UPI network and make digital payments directly from their bank accounts using their phones.

In this age of the Internet, most people use online payment. Unified Payments Interface (UPI) plays the most important contribution in this. UPI services have also been updated with the changing times. At present, smartphone users as well as people using feature phones can use UPI with the help of 123PAY.

UPI 123PAY is an instant payment feature designed for feature phone users, providing users with a secure and convenient UPI payment experience. This service enables feature phone users to perform different types of transactions using four technology options.

This includes dialing an interactive voice response (IVR) number, using the app functionality on a feature phone, using the missed call-based option, and making a proximity sound-based payment. With these four options, feature phone users can do secure and convenient digital transactions in many ways. Let us know five important things related to UPI 123PAY, that all feature phone users should know-

Setting up UPI ID

Creating a UPI ID on a feature phone is a very simple process. For this, first of all, users can dial *99# number on the feature phone. After this, you can set a secure UPI PIN by selecting the bank and providing necessary details like the last six digits of the debit card and the expiry date. After completing the setup, the UPI ID will be activated.

Transaction limit

To increase security and reduce risk, there is a transaction limit in UPI payments on feature phones. For feature phone users, the daily transaction limit is Rs 1 lakh and each transaction limit is Rs 5,000.

4 technology options

UPI 123PAY offers four technology options for feature phone users. The first option is IVR number payment, where users can initiate secure calls to pre-defined IVR numbers to complete UPI onboarding formalities.

Feature phone users can also access their bank accounts and make transactions by giving a missed call to the merchant's number. In this, the transaction is done through callback and UPI PIN entry. Some feature phones come with embedded UPI apps developed with the help of mobile end users (OEMs). These apps provide UPI facilities similar to smartphone apps.

Additionally, the proximity sound-based technology solution developed with ToneTag enables contactless and proximity payments using sound waves. In this, the user can make a UPI payment by tapping his phone on any merchant's device and entering his UPI PIN.

Make up payment

Users can dial the IVR number 080451 63666 to initiate UPI payment using the feature phone. After this, you can complete the payment by choosing your preferred language and entering the UPI PIN along with bank, transaction, and amount details.

Difference between UPI 123PAY and UPI Lite?

UPI 123PAY is an instant payment service that allows feature phone users to access the UPI network and make digital payments directly from their bank accounts using their phones while UPI Lite is an 'on-device wallet' that can be used For this, users first have to transfer money from their bank account to the wallet of the app.