What is UPI123Pay

UPI123Pay is a cool way to send money to your friends and family using your phone, even if you don't have internet! It was started by the Reserve Bank of India to make payments super easy for everyone. Here's how it works:

• You link your phone number to your bank account.
• Then, you can send money to someone else's bank account just by using their phone number. It's like magic for payments, without needing the internet