UPI 123PAY is an instant payment system for feature phone users who can use Unified Payments Interface (UPI) payment service in a safe and secure manner. Through UPI 123PAY, feature phone users will now be able to undertake a host of transactions based on four technology alternatives. They include calling an IVR (interactive voice response) number, app functionality in feature phones, missed call-based approach and also proximity sound-based payments
Call on pre-defined IVR number
Select mode of transaction
Enter UPI PIN to pay
Pre-defined IVR number
Missed Call Pay
UPI payment through pre-defined IVR numbers (080 4516 3666 & 080 4516 3581 & 6366 200 200) would require users to initiate a secured call from their feature phones to a predetermined number and complete UPI on-boarding formalities to be able to start making financial transactions without internet connection. With the IVR providing multiple language options, customers can avail this service in their preferred languages. IDFC First Bank, City Union Bank & NSDL Payments bank have gone live on IVR payments. Solutions are supported by Ultracash & Tonetag.
Missed call-based approach will allow feature phone users to access their bank account and perform routine transactions such as receiving or transferring funds, regular purchases, bill payments, etc., by giving a missed call on the number displayed at the merchant’s place. At the time of billing, the merchant will create a token with the customer’s mobile number and the bill amount of his purchase. Customer can then give a missed call on the number prescribed by the merchant and immediately the customer will receive an incoming call from 08071 800 800 asking to authenticate the transaction by entering UPI PIN. This solution is developed by MissCallPay with Bank of India as the supporting bank.
Digital solution is the UPI app app on feature phone which is developed by Gupshup with Airtel Payments Bank. In this type, the interested solution providers will need to partner with the feature phone mobile manufacturers (OEM) to enable a native payment app developed in embedded C language (or as supported). This UPI app look and feel is similar to smart phone based app, however with certain limitations of the feature phone. Currently it can offer majority UPI functionality except Scan and Pay, which work in progress.
This solution is the proximity sound-based payments which has been created in collaboration with Tonetag and supported by NSDL Payments Bank. The technology uses sound waves to enable contactless and proximity data communication on any device. User can tap any phone and make UPI payments to merchants using ToneTag’s VoiceSe payment solution. User calls the IVR number 6366 200 200 and chooses Pay to Merchant option. They tap their mobile phone on merchant device (POD), and press # once the POD emits the unique tone. The user then enters the amount to pay, followed by their UPI PIN to complete the transaction. The POD acknowledges the transaction status and the user receives a confirmation through the IVR call.