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Is UPI123Pay secure for offline payments
- Yes — UPI 123Pay follows security standards set by National Payments Corporation of India (NPCI) and Reserve Bank of India (RBI).
- It uses UPI PIN authentication for each transaction.
- Offline modes like IVR, missed-call and sound-based payments support feature phones with minimal internet or connectivity.
- However, users should still follow safe practices: don't share PIN, avoid unknown links, verify recipient details.