How to use UPI without Internet or App

India is on the road to a cashless economy. A year of demonization has led people to opt for cashless transactions, partly due to a two-year pandemic. Previously, UPI payments could only be made from smartphones, and feature phone owners still had to choose cash mode. That should change now. The Reserve Bank of India launched the UPI payment feature earlier this month, allowing people in rural India who own feature phones to make UPI transactions. “UPI 123PAY is an instant payment system that enables feature phone users to securely use Unified Payments Interface (UPI) payment services.

UPI 123PAY allows feature phone users to perform different transactions based on four technology choices. This includes calling IVR (Interactive Voice Response) numbers, feature phone app features, missed call approaches, and nearby voice-based payments, “said the official Indian National Payment Authority. Explained on the website.
This new feature, called UPI123PAY, provides IVR numbers, feature phone app features, missed call-based transactions, and voice-based payment payments.
No internet is required to use this feature. There is also a 24/7 central bank hotline for digital payments called DigiSaathi.

Read below to learn how to use the missed call payment feature of the app. This feature is intended not only for feature phone users, but also for smartphone users when the internet connection is lost.

Step 1: Forward the missed call to the number displayed on the retail store’s POS.

Step 2: After receiving the IVR call, confirm the transfer.

Step 3: Enter the amount to transfer.

Step 4: Enter your UPI PIN and the transfer will take place.

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