UPI 123Pay, Its Applications and Features

UPI 123pay: At present, the government is paying more and more attention to digital services. At the same time, it is also bringing many types of digital schemes. The Reserve Bank of India has launched a new initiative to offer digital payments services to the country’s 400 million feature phone users. The Governor of RBI has launched UPI 123Pay, a digital payment service under which people using feature phones will be able to make digital payments from their mobiles without internet. This new initiative will be very beneficial in rural areas and even in the areas where there is no internet facility. It is because most of the people living in rural areas use feature phones. This will make it much easier for them to make secure digital payments through the UPI “123pay” service. Let us understand well about UPI 123Pay.

What is UPI 123Pay in Hindi

यूपीआई 123पे एक डिजिटल पेमेंट सुविधा है।  इस सुविधा के तहत फीचर फोन उपयोगकर्ता सुरक्षित तरीके से डिजिटल भुगतान कर पाएंगे। डिजिटल भुगतान करने के लिए उपयोगकर्ता को किसी भी तरह के इंटरनेट की जरूरत नहीं पड़ेगी वह आसानी से यूपीआई 123पे के माध्यम डिजिटल भुगतान कर पाएंगे।

इस सेवा के माध्यम से फीचर फोन उपयोगकर्ता बिल भुगतान करना, फास्ट टैग रिचार्ज करना, मोबाइल से जुड़े भुगतान करना आदि डिजिटल ट्रांजैक्शन कर पाएंगे। यह सेवा उपयोगकर्ता के मोबाइल पर 24 घंटे उपलब्ध रहेगी जिसके कारण वह अपने बैंक खाते से आसानी से कोई भी भुगतान कर पाएंगे। इस सेवा में स्कैन भुगतान को छोड़कर सभी प्रकार के भुगतान की सेवा मौजूद होगी जिसका लाभ ऐसे नागरिक उठा पाएंगे जिसके पास स्मार्ट फ़ोन नहीं है। यह सेवा ग्रामीण क्षेत्रों में तथा दूर दराज के इलाको में रहने वाले लोगो के लिए काफी ज्यादा मददगार सभी होगा।

Features of UPI 123Pay

At present, no such mobile application was available for feature phones using which digital payments could be made. Keeping these things in mind, RBI started the UPI 123pay service. Under which all bank customers will be able to do transactions without internet by linking their mobile number with the bank account. Under this service, customers will be able to take advantage of the following facilities:

LPG gas refill

Fastag Recharge.

Pay all types of bills.

Make mobile payments

Checking bank balance etc.

Transfer money to bank account.

How to use UPI 123Pay

Friends, for your information, let me tell you that this facility is only for the people using feature phones, for whom digital payment facility was not available. RBI has started this to provide the service of digital payment to the feature phone user. Let us know about how we use this service.

  • First of all link your bank account with your mobile number.
  • Now create a 6 digit UPI PIN using your Debit Card or Credit Card (ATM).
  • After doing all this you have to call the IVR number on the dial pad of your mobile.
  • After making the call, many options will come in front of you. In which there will be options like money transfer, gas refill, fastag recharge, mobile recharge, EMI repayment, balance check etc.
  • If you want to transfer money to any person, then for that you have to select the money transfer option.
  • After selecting the option, you will have to enter the mobile number of the person to whom you want to send money.
  • Then enter your UPI PIN by entering the payment amount.
  • After few seconds your digital payment will be done. You will be provided information about digital payment through SMS.
  • If you want to send money to a merchant, then there are two options for that.
  • First through application second through missed call.
  • Apart from this, you can also use the voice method to send money instantly.

How to make payment in UPI 123Pay?

Through this new service, now there will be a lot more convenience in making digital payments. Simultaneously, the feature mobile user will not have to go to the bank and stand in line for banking tasks like transferring money. In this service, customers will be able to make digital payments in the following ways which are as follows –

Method of Interactive Voice Response (IVR)

IVR is the best and easiest way to make digital payments in UPI 123pay. IVR is a computer generated voice that provides many features. If you have ever called customer care to check SIM card balance or due to any kind of problem, then you must have noticed that during the call you hear a computer based voice asking you to press the button in the mobile.

Similarly, RBI has issued a number for making digital payments through UPI 123pay. On which you can easily do the transaction by calling. In this method you have to call on the number provided by RBI. After that, in the voice of the computer, you are told many options. You have to choose the option of the service you want to avail.

After selecting the option, you will have to enter your six-digit UPI PIN. Your payment will be done once the PIN is correct.

Through UPI 123Pay Application

You will find it a bit strange that how to pay through the app in a feature phone. So friends, let me tell you that payment can be made in feature phones by downloading a separate app. RBI is soon going to bring this app for feature phone users, in which all types of digital payments can be done except Scan and Pay.

By installing this app in your mobile, you will have to provide information related to UPI as well as set your six-digit PIN. Once the PIN is set, you will be able to make payments just like with the smart phone app. Through this app you will be able to avail the facilities like mobile recharge, bill payment etc.

Via Missed Call

Normally, when we have to pay a shopkeeper through UPI, then we scan the QR code in the shop and enter the amount and make the payment. But we cannot do this without having a camera in a feature phone. To make this mode of UPI payment easier for feature phone users, RBI has released the missed call method.

In this, a number will also be given along with the QR code at the shop. You will have to make a missed call on that number, as soon as you do a missed year, you will get a computer generated phone call through UPI 123Pay, in which you will have to give payment related information. This information can be the amount of payment etc. After this, you will have to enter a six-digit PIN. After correcting the PIN, your payment will be done.

Through Sound Based Payment (Proximity Sound-based)

This is the most different way of making digital payment, in which payment can be made easily using sound waves. You will neither need internet nor smart phone to make payment through this new technology.

Benefits of UPI 123pay

The elucidated points show the Benefits of the UPI 123Pay service:

(a) Internet is not required to make payment in it.

(b) UPI 123Pay will provide services to those people who use feature phones.

(c) In UPI 123Pay service, all other facilities will be available except Scan and Pay.

(d) Customers will be fully able to link the bank account and set or change the UPI PIN.

(e) To use this service, the customer just needs to link his bank account with his mobile number.

(f) The service includes four technology options such as calling interactive voice response (IVR) numbers, using the app, through missed calls and proximity sound based payments.

What to do if there is a Problem with UPI 123Pay?

If you face any kind of problem while using UPI 123Pay, then RBI has launched DigiSaathi for that. Through which you will be able to get the solution of your problems easily.

For this, you have to visit DigiSaathi’s website (www.digisaathi.info) or you can also call on toll free number (1800-891-3333). For the convenience of the customers, RBI has made Digisaathi available in both Hindi and English languages. Simultaneously, RBI has said that solution of all kinds of payment related problems will be provided in this. The best part is that DigiSaathi will be available 24 hours a day for the customers.

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