UPI 123Pay works on basic phones via missed calls, IVR, or simple SMS codes, making digital payments accessible to all.
Link your bank account using simple IVR or SMS steps; no data connection required. Start sending and receiving money instantly.
Transactions are authenticated and secure, ensuring your money is protected even without internet access.
UPI 123Pay can be used for utility bills, loan EMIs, and other payments without needing a smartphone or internet.
UPI 123Pay bridges the gap, enabling financial inclusion by bringing digital payment capabilities to rural and semi-urban areas.