UPI 123PAY is a suite of solutions developed by National Payments Corporation of India (NPCI) for non-smartphone users to use the Unified Payments Interface (UPI) without internet connectivity.

The service uses an account number and phone number while leveraging Dual Tone Multi-Frequency (DTMF) signaling technology and follows the UPI two-factor authentication protocol for transactions.

UPI 123PAY offers a number of features that make it easy for non-smartphone users to make payments, including:

UPI 123PAY is a convenient and secure way for non-smartphone users to make payments. It is expected to help increase financial inclusion in India by making it easier for people without smartphones to access financial services.

Here are some of the benefits of using UPI 123PAY:

To use UPI 123PAY, you will need to:

Once you have registered, downloaded the app, linked your bank account, and set up your UPI PIN, you can start making payments using UPI 123PAY.

To make a payment using UPI 123PAY, you will need to:

Once you have authenticated the transaction, the payment will be processed and the funds will be transferred to the recipient's account.