UPI Without Internet! The Reserve Bank of India on Tuesday announced the launch of UPI123Pay.

UPI payments can now be carried out without the Internet and a smartphone via Paytm, Google Pay, BharatPe, Amazon Pay, PhonePe, Airtel Payments Bank, and others. Here's how to do it.

by Akansha_B Updated: 13 Apr, 2022, 03:31 IST
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The Reserve Bank of India (RBI) launched UPI123Pay, a new digital payment system based on the Unified Payments Interface, on Tuesday (UPI). This is designed for feature phones and will operate even if you don't have access to the internet.

At a live-streamed ceremony, the Reserve Bank of India (RBI) debuted UPI without Internet for feature phones, making the service available to hundreds of millions of feature phone users. Users of feature phones will be able to perform UPI transactions without the requirement for an internet connection thanks to a technology called UPI123Pay.

UPI Without Internet! The Reserve Bank of India on Tuesday announced the launch of UPI123Pay.

Along with UPI123Pay, the occasion featured the inauguration of 'DigiSaathi,' a 24-hour hotline for digital payments. You can Join our UPI Group to get trending updates, offers, and deals. 

“The initiative launched today has the potential to deepen the digital ecosystem and financial inclusion,” Das said. 

He emphasized that the RBI has taken more than 50 steps in the last year to develop India's digital payments ecosystem, including interface rules, tokenization, and more.

How UPI 123pay will work on feature phones?

Step 1 –  The user will have to link their bank account with their feature phones.

Step 2 – They would then have to set up their UPI pin by using their debit card details.

Step 3 – To make payments, the user will have to call an IVR number ‘080 4516 3666’ and select the payment option — money transfer, LPG gas refill, Fastag recharge, mobile recharge, EMI payment, balance check, and more.

Step 4 – To transfer the money, the users can simply select the ‘money transfer’ option and send the contact.

Step 5 –The user will then have to enter the amount to be transferred and the UPI pin to make the transfer. This feature can be used to make payments to friends, family, shops, and more.

How to make missed call-based payments?

Step 1 – The central bank has also launched a missed call payments feature, which will allow a user to make a UPI payment by simply giving a missed call on the merchant/shop’s number.

Step 2 – The user would have to give a missed call on the number given to them by the merchant/shopkeeper. The number acts as the ID for the said merchant.

Step 3 – A pop-up will appear on the phone screen, just like in other payment modes, asking the user to add the amount to be transferred and confirm the payments by adding their UPI pin.

UPI123Pay would let India's 400 million feature phone consumers engage in the country's digital payments ecosystem. These purchases can be made by SMS and do not require access to the internet. UPI without Internet is accessible in a number of Indian languages.

12 Comments  |  
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Like Magnet Like Magnet

*99# was already there .
This wasn’t necessary at all.
Waste of tax payer’s money.

Flame Flame

why the third step needed? Where as *99# already there.

Step 3 – To make payments, the user will have to call an IVR number ‘080 4516 3666’ and select the payment option — money transfer, LPG gas refill, Fastag recharge, mobile recharge, EMI payment, balance check, and more.

I think,it’s more becoming cellular network oriented,and also it may be another signal to increase further the rates of newtorks… 

Deal Lieutenant Deal Lieutenant
Admin
sanketpero wrote:

*99# was already there .
This wasn’t necessary at all.
Waste of tax payer’s money.

It is for non-android ios phones

Like Magnet Like Magnet
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Akansha_B wrote:

It is for non-android ios phones

Yes *99# works for those mobiles also.

Deal Subedar Deal Subedar

It’s better than *99#.

Every operation/command charged @ 50 paise while calling a number is still cheaper than using that *99#.

And connectivity wise; a voice call is better than USSD.

cc: @issu @sanketpero

Deal Subedar Deal Subedar

Doesn’t it a repost of this just because someone with an admin tag reposted it.

Pro Blogger Pro Blogger

@Akansha_B

All banks have launched their own UPI IVR number-

ToneTag, NSDL Payments Bank IVR number - 6366 200 200

City Union Bank IVR number - 08045163581

Like Magnet Like Magnet
chunnumunnuannu wrote:

It’s better than *99#.

Every operation/command charged @ 50 paise while calling a number is still cheaper than using that *99#.

And connectivity wise; a voice call is better than USSD.

cc: @issu @sanketpero

No charge is there for *99#

Deal Newbie Deal Newbie

I think *99# is better. You have to listen to IVR every single time , imagine you are used to number sequence and they change that sequence and you ended up doing wrong transaction. 

Deal Newbie Deal Newbie

*99# is not supported by 4G network. *99#  requires USSD and it works only when 2G network is available. mean not supported JIO network. Other things you don’t need to be explained why it is introduce MOTA BHAI……

Deal Cadet Deal Cadet

Do go through these FAQ’s before commenting against or in favor.

*99# FAQs

https://www.npci.org.in/what-we-do/99/faq...sp;

As far as my understanding goes, this is one of the imp. point.

Q. Will I be able to use *99# across all Telecom Service Providers?

Ans : NO, *99# is available on selected telecom service providers.(Link: https://www.npci.org.in/what-we-do/99/live-members)

Also

Q. Whether *99# service is available both on GSM and CDMA handsets?

Ans : The service works across all GSM service providers and handsets. The service is currently not available for CDMA phones.

Deal Newbie Deal Newbie

For IVR service we must have calling plan but for *99# we don’t need any plan. And there is rarely any plan without data

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