📲 What is UPI 123Pay?
A game-changing payment method by NPCI for feature phone users. Make UPI payments without the internet or a smartphone!
Tagline: Call karo. Pay Karo.
✨ Key Features
✅ Works on Basic Phones: Dial a number, follow voice instructions, and pay!
✅ No Internet Needed: Uses IVR (Interactive Voice Response) or missed call technology.
✅ Safe & Secure: Just like regular UPI – uses your UPI PIN for approval.
🚀 How Does It Work?
Using IVR
- Call karo:
Dial 123# on your feature phone. - Choose karo:
Choose a Service:- Send money
- Pay bills
- Recharge mobile/DTH
- Enter Details: Follow voice instructions to add recipient info.
- Pay karo: Approve with UPI PIN: Confirm the payment securely.
OR
- Use the UPI 123Pay app (if your phone supports it).
- Proximity sound based technology and voice based payments
- Missed Call Payments: Register once, then pay with a missed call!
💡 Why It’s Awesome!
🔹 Financial Inclusion: Brings digital payments to 300 million+ feature phone users in India.
🔹 Easy for Elders: Simple voice-based system – no apps to download.
🔹 No Extra Apps: Works directly from your phone’s dial pad.
🔒 Safety First!
- Your UPI PIN is never shared during the process.
- Transactions are linked to your registered mobile number and bank account.
💸 What Can You Do?
- Send money to friends/family.
- Pay electricity, gas, or water bills.
- Recharge prepaid mobiles or DTH.
- Check bank balance (for some banks).
💸 Key Transaction Limits for UPI 123Pay
| Transaction Type | Per Transaction Limit | Daily Limit |
|---|---|---|
| Send Money to Friends | ₹1 lakh | ₹1 lakh |
| Bill Payments | ₹1 lakh | ₹1 lakh |
| Mobile/DTH Recharge | ₹1 lakh | ₹1 lakh |
| Check Balance | No limit | No limit |
🔒 Safety Rules to Remember
- UPI PIN Required: Mandatory for approving every transaction.
- Linked Mobile Number: Works only with your bank-registered phone number.
- No Internet = Safer? While secure, avoid sharing your UPI PIN or OTPs with anyone!
📱 Example Scenarios
- Send ₹10,000 to a friend: ✅ Allowed (under ₹1 lakh/day).
- Pay ₹1.2 lakh electricity bill: ❌ Split into two days (daily cap = ₹1 lakh).
- Recharge phone with ₹500: ✅ Instant approval!
💡 Pro Tip: Need higher limits?
- Link UPI 123Pay to a savings account (not current account).
- Contact your bank to request limit increases (subject to approval).
🎉 Pro Tip: Teach grandparents or rural family members to use this – it’s free and requires zero tech skills!
Too long? Here’s the 5-second version:
Safe, simple, and works on any phone!
Dial *123# → Choose service → Enter details → UPI PIN → Done!