How to use UPI on a feature phone?

Feature phone users can use UPI through the UPI 123PAY service, which does not require an internet connection. To get started, link your bank account by dialing *99# and setting up a UPI PIN using your debit card details. Once registered, you can make payments using these methods:

• IVR Number: Call a secure number and follow voice prompts to transfer money.
• Missed Call: Give a missed call to a merchant's number to receive a callback for payment.
• Sound-based Technology: Use sound waves to complete proximity payments.
• Pre-installed App: Use basic built-in payment apps on supported feature phones.