Digital payments are growing rapidly across India. However, many people still lack smartphones or reliable internet access. Therefore, PhonePe introduced the UPI 123PAY service for wider payment access. The service allows users to send and receive money without internet connectivity. Additionally, it aims to bring digital payments to millions using feature phones.
What Is PhonePe UPI 123PAY Service?
UPI 123PAY allows feature phone users to make digital payments easily. The service does not require a smartphone or high-speed internet connection. Instead, users can transfer money through their mobile number or UPI ID. Moreover, customers can pay merchants using QR codes and UPI IDs.
The service also helps users check bank balances and transaction history. Consequently, people with limited digital access can manage basic payment activities.
How Will Payments Work Without Internet?
PhonePe’s UPI 123PAY service uses SMS-based technology for transactions. Therefore, users can access the service in areas with weak internet or 2G networks. Feature phone users need to complete a few simple steps before making payments.
First, users need to open PhonePe on their phones. Next, they must accept the terms and conditions. Afterward, users select their bank account details. Then, they enter the last six digits and expiry date of their debit card.
Finally, users create a UPI PIN and activate their UPI ID. After completing these steps, they can make payments without smartphones.
Which Phones Will Support This Service?
The UPI 123PAY facility will work on selected feature phone brands. These include:
- Nokia
- HMD
- Lava International
- Itel Mobile
Features Available Under UPI 123PAY
The service provides multiple payment-related facilities. Users can access:
- Digital payment options
- Bank balance checking
- Transaction history details
Who Will Benefit The Most?
The service mainly targets people without smartphones. It will also help users living in areas with weak internet connectivity. Additionally, rural communities and small-town residents can benefit from this facility.
Moreover, people who want to start digital payments but have limited technical knowledge can use this service. Thus, UPI 123PAY aims to make digital transactions easier for more users.
