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UPI 123PAY FAQs

What is UPI 123Pay ?

UPI 123Pay is a Suite of solutions developed for Non Smart phone / feature phone users to use the UPI without internet connectivity

DO I NEED A SMARTPHONE FOR A UPI PAYMENT ?

National Payments Corporation of India(NPCI) with its mission to make ease of payment for everyone, have developed UPI 123 Pay solution by which users can transact on UPI without internet connectivity either through Feature Phone or through Smart phone w/o internet. Various solutions that can be used for feature phone payment solutions are USSD, SMS, IVR, missed call, SIM overlay or a sound-wave communication technology platform enabling payments on any device.

WILL INTERNET BE REQUIRED FOR DOING PAYMENTS AS FEATURE PHONE DOES NOT HAVE INTERNET ?

Internet is not required for doing payments through the feature phone. Payment can be done using an IVR call, SMS messages, USSD, etc.

HOW TO AUTHORIZE UPI 123Pay TRANSACTION WITH UPI PIN ?

UUPI PIN is a 4-6 digit pass code you create/set during first time registration with the Mobile App/IVR/any other channel. You have to enter this UPI-PIN to authorize all bank transactions. (Note: Banks issued MPIN is different from the UPI UPI-PIN) Note: Please do not share your UPI-PIN with anyone.

WHAT WILL HAPPEN IF I ENTER THE WRONG UPI PIN FOR AUTHORIZING UPI 123Pay ?

If you enter incorrect UPI PIN, then the transaction will fail. In case you input the wrong UPI PIN multiple times, bank may temporarily block sending money using UPI option from account.

HOW TO SET MY UPI PIN UPI 123Pay FROM FEATURE PHONE ?

You can set your UPI PIN in few simple steps. You need enter last six digits of your bank debit card and the OTP received from the bank. After validation of these details you can set a 4/6 digit UPI PIN for your account

CAN I CHANGE OR RESET MY UPI PIN for UPI 123Pay from FEATURE PHONE ?

For changing UPI PIN: You can change UPI PIN by going to settings for change PIN. In that you can change your UPI PIN by entering your old pin and then enter your new pin which you want to set on feature phone.

For reset pin: You can reset UPI PIN by going to settings for reset PIN. In that you can reset your UPI PIN by entering your old pin and then enter your new pin which you want to set on feature phone.

WHAT IS IVR PAYMENTS AND HOW DOES IT WORK ?

You will dial a number from your feature phone/smartphone and hear voice menu for various services. Select service you want to use. Validate beneficiary and enter amount. Authorize transaction by entering UPI PIN.

I DON’T KNOW ENGLISH, CAN I USE MY REGIONAL LANGUAGE FOR PAYMENTS ?

Yes Absolutely. English is not mandatory.

IVR is also available in multiple languages, so you can transfer money by using your regional languages.

WHICH LANGUAGES ARE SUPPORTED ON UPI 123Pay ?

You can do feature phone payment currently in English, Hindi & Kannada

WHAT IS MISS CALL PAY? HOW IT IS DONE ?

By this solution, you can pay money to a merchant by just giving a miss call to a number. Then you will get a call back immediately where it will mention the name of beneficiary and ask you enter your amount followed by UPI PIN. Payment will be successful on entering correct UPI PIN

WILL I HAVE AN APP IN MY FEATURE PHONE TO DO PAYMENTS through UPI 123Pay ?

You can do payments in feature phone with and without app both: -

1.With App: - Some feature phone/handsets will have apps installed by mobile phone manufacturer where you can do payments without using internet. You just need to register yourself on the feature phone app and start doing payments easily.
2. Without app: - You can do payments from any feature phone while using IVR, misscallPay, USSD, etc.

CAN I SEND MONEY TO ANY USER ON UPI OR I WILL ONLY BE ABLE TO SEND IT ONLY TO USERS ON FEATURE PHONE ?

By registration through feature phone, you will become a part of the UPI ecosystem where you can transfer money to anyone on UPI by using your banks accounts. Therefore, by on boarding from any device, you become part of the UPI ecosystem.

WHAT IS SIM OVERLAY. DO I BUY A NEW SIM TO USE THIS ?

Sim overlay is just a sim like object which sticks over your existing sim. You just need to stick this overlay on your sim. After that you will be able to see an app on your feature phone through which you can do UPI payments from it.

WHAT UPI FUNCTIONALITIES CAN I USE FROM FEATURE PHONE ?

You can use the functionalities which are mentioned below:

1.Multilingual
2.Linking of bank accounts
3.Set UPI PIN
4.Reset UPI PIN
5.Merchant Payments
6.Settings
7.Deregistration

WILL MY UPI ID BE CREATED WHEN I ONBOARD ON UPI 123Pay ?

Yes your UPI ID will be created and communicated to you through SMS.

CAN I DO PAYMENTS FROM MY BANK ACCOUNT BY USING MY friends or family's FEATURE PHONE ?

No, you can only make payments from your personal mobile from your bank accounts. This is enabled to save your money from any fraudulent activities.

IS MY MONEY SAFE BY USING UPI 123Pay ON FEATURE PHONE ?

Yes, as NPCI we care for your money and while using UPI your money is safe. But to make it more secure we request never share your UPI PIN and OTP to anyone else.

WHERE CAN I RAISE A DISPUTE FOR FRAUDS OR ANY OTHER PROBLEMS FOR PAYMENTS DONE ON UPI 123Pay or FEATURE PHONE ?

You can raise a complaint to your bank by directly calling bank call center or you can also raise a complaint on same IVR number/ feature phone app.

WHAT IS THE PER TRANSACTION LIMIT OF UPI PAYMENT on UPI 123Pay FROM FEATURE PHONE ?

Per transaction limit is Rs. 5000 on UPI 123pay

WHAT IS THE PER DAY TRANSCTIONS LIMIT of UPI PAYMENT on UPI 123Pay FROM FEATURE PHONE ?

Per day transactions limit is Rs. 100000. You can transfer up to Rs. 100000 daily from your feature phone.

WHAT IF I TRANSFER MONEY, IT IS DEBITED FROM MY ACCOUNT BUT BENEFICIARY DOES NOT RECEIVE IT ?

If the money is debited but it not credited at the beneficiary end, it will take some time but will be settled to the beneficiary.