[Full Guide] 123PAY UPI – How to Use?

123PAY UPI is a payment system for feature phone users. It means that feature phones will be able to use UPI, without having an active internet connection. Govt of India is introducing this feature to allow all users to connect with the national payment system.

If you want to know how to use 123PAY UPI on your feature phone like Nokia 3310, JioPhone, and Samsung Guru, then here you have to complete guide.

[Full Guide] 123PAY UPI – How to Use?

Government of India has decided to take along all the feature phone users to use the UPI payment system. The UPI payment system is the only system that does not require an OTP to make the transaction successful.

The UPI feature was developed in India and now other big tech giants like Google and Apple asking America’s govt why they don’t have such payment feature. According to some recent data, India has become the no 1 country in terms of online payments, and this only has become possible because of the UPI payment system.

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India is 10 times ahead of China and 10+ times ahead of USA, when it comes to online payments. All this is possible because of UPI. But before UPI was developed in India, this was not the case with our payment system. Indians do not used to transfer the money via online payment system because banks and companies used to take a lot of profit from the transaction.

However, when it comes to UPI, then they are absolutely free. You don’t have to pay a single penny to use the UPI feature. Futher, it is the best feature which transfer your money directly into the bank account and you don’t have to wait for 3-4 days like NEFT or RTGS.

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How to use 123PAY UPI?

In India, there are around a total of 40 Cr+ feature phone users who are away from the online payment system, specially UPI system. 100% of the feature phone users do not use the digital payments, as the feature phone do not allow us to have an active internet connection and without a internet connection you cannot use UPI.

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Now, RBI has come to the front and they have introduced a new payment feature for the feature phones. In this payment feature, RBI has developed a server side common library which will let the feature phone users to make payments without internet connectivity.

Who can use 123PAY UPI?

Well, there is no limitations or restrictions when it comes to the use of 123PAY UPI payment system. Everyone, literally everyone can use this feature. Doesn’t matter whether you have a smartphone, or a feature phone. You just need a simcard inside the phone.

123PAY UPI Use:

There are 3 simple steps to use 123PAY UPI service. First, you have to call, then you have to choose, and then you can pay. Look at the detailed steps below:

• First of all, you will have to link your account to 123PAY UPI service.
• You will have to link your debit, to make the payments.
• Further, you will have to setup the UPI pin along with your debit card, so the payments can be made easily.
• Users will be able to use this service via multiple ways including: missed calls, tap and pay, and more.
• User will also be able to make payments for electricity payments, fast tag payments, and more.

RBI will soon announce more details about UPI 123PAY.

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So this was all about [Full Guide] 123PAY UPI – How to Use? Hopefully, you will like our approach. If you have any queries or suggestions about this topic, then do let us know in the comment section and we will try to help you as soon as possible.