UPI 123Pay

byPaytm Editorial TeamLast Updated: July 16, 2025

Meaning and Full Form

UPI 123Pay is an offline UPI payment solution launched by RBI to help feature phone users access UPI services without the internet.

Definition

The definition of UPI 123Pay is a voice- or keypad-based payment method where users can transfer money, check balances, and make payments using IVR or missed calls.

Key Features

  • Works without smartphones or internet
  • Safe for rural and underserved users
  • Offers four payment options: IVR, missed call, app-based, and sound-based

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