Can I use UPI 123 pay without a smartphone?

Yes, you can use UPI 123PAY without a smartphone or internet connection. This service, launched by NPCI, is designed to empower feature phone users to perform digital transactions. You can access UPI services through multiple modes, including Interactive Voice Response (IVR), missed call-based approach, app functionality on feature phones, and sound-based proximity payments. (Digital India, Bajaj Finserv, Paytm)