transfer money without internet UPI '123Pay' Service

Transfer money without internet

Now you can transfer money that too without internet. 400 million people use feature phones. In such a situation, the '123pay' service of the Reserve Bank of India can prove to be very beneficial.

 You will be able to transfer your money to other places even with a normal phone without internet. The Reserve Bank of India (RBI) on Tuesday launched the UPI '123Pay' service to facilitate digital payments to 400 million feature phone users in the country.

 Till now, UPI services have been mainly available on smartphones, due to which people from the lower class were not able to use them.

  UPI transactions have so far reached Rs 76 lakh crore in FY 2021-22, as against Rs 41 lakh crore in the previous financial year. Four technologies have been adopted in the new service 'UPI 123pay'. This includes IVR (verbal instructions from phone), app-like functions, voice-based payments at close range and missed calls.

How to make digital payments now without internet, smartphone

UPI 123pay : A new feature for ordinary phones.

 Transactions can be done on four basis.

Consumers can transact through four options. These include calling interactive voice response numbers, apps available in feature phones, missed calls and voice based payments.

 This Unified Payments Interface (UPI) based facility will enable over 400 million general mobile phone users in the country to make payments in a secure manner.

This facility has been introduced almost 6 years after the introduction of UPI in 2016. The use of UPI has increased manifold since its inception in 2016. But till now UPI services are mainly available on smartphones. Due to this, people from rural areas and lower strata of society are not able to use them.

You will be able to do UPI transactions even if you do not have internet. Six years ago, the National Payments Corporation of India (NPCI) introduced the UPI service for smartphone users. A few days later, USSD based UPI service was introduced for feature phone users. However, there were many problems with this service, due to which it could not become popular.

Helpline 'Dijisathi' launched for digital payments

 A helpline named 'DigiSathi' has also been started for digital payments, which has been developed by NPCI. Help can also be taken from website ( and phone numbers- '14431' and '1800891 3333'.

Will be able to send money to loved ones with bill payment

Through this facility, users using normal phones can send money to friends and family. Apart from this, one can pay various bills and will be able to recharge the fast tags of vehicles and also pay mobile bills.


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