What is the difference between UPI 123 pay and UPI lite?

UPI Lite is an on-device wallet for quick, low-value transactions up to ₹500 on smartphones, often without requiring a UPI PIN. UPI 123Pay, however, empowers feature phone users to make digital payments without internet access. It uses methods like IVR calling or missed calls for transactions directly from a bank account, bridging the digital divide for those without smartphones.