Payments Beyond Smartphones

UPI 123Pay works on basic phones via missed calls, IVR, or simple SMS codes, making digital payments accessible to all.

Register Quickly Without Internet

Link your bank account using simple IVR or SMS steps; no data connection required. Start sending and receiving money instantly.

Safe & Reliable Payments

Transactions are authenticated and secure, ensuring your money is protected even without internet access.

Manage Payments Effortlessly

UPI 123Pay can be used for utility bills, loan EMIs, and other payments without needing a smartphone or internet.

Digital Payments for Everyone

UPI 123Pay bridges the gap, enabling financial inclusion by bringing digital payment capabilities to rural and semi-urban areas.

Easy Loans, Anytime, Anywhere

Just like UPI 123Pay simplifies payments, Hero FinCorp makes borrowing simple with fast approvals and flexible EMIs. Start your personal loan journey today!