Have you ever found yourself needing to make a payment but struggling with poor internet connectivity or no access to a smartphone? If you live in a remote area or don’t have consistent internet access, you know how tough it can be to make digital payments. That’s where UPI 123Pay comes in.
In 2026, UPI 123Pay is making it easier than ever to complete payments without needing an internet connection. Whether you’re a business owner, a farmer or anyone with a feature phone, UPI 123Pay provides a seamless way to pay your bills and transfer money. Let’s get into how UPI 123Pay works, how to set it up and why it’s a game-changer for financial inclusion.
What is UPI 123Pay?
UPI 123Pay, launched by the National Payments Corporation of India (NPCI), is a simple solution that allows users to make UPI transactions without an internet connection. It’s designed specifically for people with feature phones or limited internet access.
By using voice-based transactions, UPI 123Pay lets you make payments, transfer money and pay bills securely, all without an internet connection. It’s a powerful tool for those who need a flexible, easy way to manage money in rural or remote areas, ensuring financial inclusion for all.
Benefits of using UPI 123Pay
There are several key benefits that make UPI 123Pay an appealing option for users without internet access:
- For banks:
- Enhanced financial inclusion: Reach underserved customers in rural areas
- Increased transaction volume: Facilitate more transactions, boosting engagement and revenue
- Compliance with regulations: Meets NPCI standards for secure, regulated transactions
- For business merchants:
- Increased customer reach: Access customers without smartphones or the internet
- Simplified payments: Easy, quick transactions without physical infrastructure
- Transactions: Accept payments in areas with poor or no internet connection
- For customers:
- Convenient payments: Make payments via IVR or missed call without internet
- Wide accessibility: Available to feature phone users in remote areas
- Secure transactions: UPI PIN ensures secure and private transactions
How to set up UPI 123Pay?
Setting up UPI 123Pay is a simple process that allows users with feature phones to start making UPI transactions without the need for an internet connection. Follow these steps to set up UPI 123Pay and begin using it for secure payments:
- From your feature phone, dial *99#
- Select your bank from the available options
- Enter the last 6 digits of your debit card and its expiry date
- Create your UPI PIN
- Your UPI ID is now activated, and you can begin using UPI 123Pay for secure transactions
How to make a payment using UPI 123Pay
With UPI 123Pay, there are several ways to make payments, all of which are simple, secure and convenient:
- IVR number
Call the predefined IVR number and follow the prompts to select your language and authenticate your transaction. Once complete, you can make transfers, pay bills and more, all without internet access.
- Missed call
Give a missed call to the designated number provided by your bank. The bank will call you back and generate a payment token. Authenticate by entering your UPI PIN during the call, and your payment will be processed.
- OEM integration
Some feature phones have pre-installed apps for UPI transactions. You can use these apps to transfer money or pay bills, just like you would on a smartphone (minus the QR code payments).
- Sound-based technology
For a truly contactless experience, UPI 123Pay supports sound-based payments. By calling the IVR number, entering your payment details and tapping your phone, the transaction is completed using sound waves. No internet required.
Enjoy secure payments with UPI 123Pay
UPI 123Pay makes it possible for anyone, even those in areas with limited access to technology, to enjoy the benefits of digital payments. From paying bills to transferring money, it’s all possible through a simple voice interface or missed call, no internet needed.
As UPI 123Pay evolves, it has become less about convenience and more about financial inclusion. By offering a user-friendly payment option for those without smartphones or stable internet, UPI 123Pay is helping bring millions into the fold of digital finance.
With the UPI 123Pay limit increased to ₹10,000 per transaction, it is becoming a trusted, accessible way to manage finances, especially for those in rural areas. So why wait? Empower yourself and your business with UPI 123Pay today.
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