UPI 123Pay: Can Your Basic Phone Send Money Now?
PhonePe has launched UPI 123Pay for feature phones, letting over 20 crore Indians make digital payments without internet or a smartphone. Here's how it works and what it means for your money.
20 crore feature phone users spend more on recharge than bank fees — now they can skip both
Feature phone users can now send money digitally without internet
Key Takeaways
Check if a family member or elderly parent uses a feature phone — ask their carrier if the device supports UPI 123Pay.
Set up a UPI PIN on any feature phone by calling the NPCI-designated 123Pay number and linking your bank account.
Avoid sharing your UPI PIN over any call — legitimate 123Pay setup never requires you to speak your PIN aloud to anyone.
PhonePe has launched UPI 123Pay for feature phones, letting over 20 crore Indians make digital payments without internet or a smartphone. Here's how it works and what it means for your money.
Here's what happened: PhonePe launched UPI 123Pay, bringing UPI digital payments to feature phones without requiring internet connectivity.. The service targets over 20 crore feature phone users in India, using IVR calls, missed-call payments, and sound-based technology.. UPI 123Pay comes pre-installed on supported feature phones, requiring no app download or active data connection to work..
What you should do: Check if a family member or elderly parent uses a feature phone — ask their carrier if the device supports UPI 123Pay.. Set up a UPI PIN on any feature phone by calling the NPCI-designated 123Pay number and linking your bank account.. Avoid sharing your UPI PIN over any call — legitimate 123Pay setup never requires you to speak your PIN aloud to anyone..
UPI 123Pay transactions are subject to the same ₹5,000 per transaction limit as other basic UPI modes — ideal for small daily payments but not large transfers.
For readers weighing their credit and loan options, our personal loan guide and CIBIL score resources put this update in context.
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This article is reported by GoCredit's Editorial Team based on the source above. GoCredit synthesises, contextualises, and adds India-borrower-relevant analysis. We are not the original publisher.
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