UPI 123PAY is an instant payment system for feature phone users who can use Unified Payments Interface (UPI) payment service in a safe and secure manner. Through UPI 123PAY, feature phone users will now be able to undertake a host of transactions based on four technology alternatives. They include calling an IVR (interactive voice response) number, app functionality in feature phones, missed call-based approach and also proximity sound-based payments


 
Call Karo : Pay Karo




In this 123PAY instant payment system you can pay in four different ways:-

1.  Pre - Defined IVR number - 


You can use IVR calling feature to pay , for this you have to dial 080 4516 3666 / 6366 200 200 from your feature phone that is registered to your bank and after this a MENU is display in your feature screen and you can simply use option 1 to transfer money, after entering details of the receiver you have to enter your UPI pin to transfer your  money to receiver's  account.


         Process Flow







2. Missed Call Pay - 

In this mode of transfer you simply need a contact number of the respective shop or store that is registered to 123PAY.  Give a missed call from  your bank registered number and after this you recieve an  incoming call  to confirm the transaction by requesting you to fill UPI Pin. Filling UPI Pin transferred  you money to respective shop or store.





     Process Flow


3. Payment through functionally  implemented by OEM - 

Digital solution is the UPI app app on feature phone which is developed by Gupshup with Airtel Payments Bank. In this type, the interested solution providers will need to partner with the feature phone mobile manufacturers (OEM) to enable a native payment app developed in embedded C language (or as supported). This UPI app look and feel is similar to smart phone based app, however with certain limitations of the feature phone. Currently it can offer majority UPI functionality except Scan and Pay, which work in progress.




4. Payment through sound based technology and voice based payment - 

This solution is the proximity sound-based payments which has been created in collaboration with Tonetag and supported by NSDL Payments Bank. The technology uses sound waves to enable contactless, offline, and proximity data communication on any device. User can tap any phone and make UPI payments to merchants using ToneTag’s VoiceSe payment solution. User calls the IVR number 6366 200 200 and chooses Pay to Merchant option. They tap their mobile phone on merchant device (POD), and press # once the POD emits the unique tone. The user then enters the amount to pay, followed by their UPI PIN to complete the transaction. The POD acknowledges the transaction status and the user receives a confirmation through the IVR call.





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