UPI 123 Pay – How to Use UPI Without Internet (2026 Guide)

UPI 123 Pay is a special UPI service that lets you make digital payments without a smartphone or internet. It is designed for feature phone users and people who prefer simple, voice-based or keypad-based payments.

This service is backed by NPCI and works across major Indian banks.

Quick Summary: UPI 123 Pay

• Service name: UPI 123 Pay
• Works on: Feature phones (non-smartphones)
• Internet required: No
• Payment modes: IVR call, missed call, app-based (feature phone), sound-based
• PIN required: Yes
• Availability: 24×7

What Is UPI 123 Pay?

UPI 123 Pay allows users to send and receive money using a feature phone by simply making a call or using keypad options. You don’t need:

• Mobile data
• Android or iOS phone
• UPI apps like Google Pay or PhonePe

It works using IVR (Interactive Voice Response) and USSD-like flows.

Who Can Use UPI 123 Pay?

You can use UPI 123 Pay if:

• You have a feature phone
• Your mobile number is linked to your bank account
• You have an active debit card
• Your bank supports UPI 123 Pay

UPI 123 Pay Payment Methods

1. IVR Call Method (Most Common)

This is the easiest way to use UPI 123 Pay.

Steps:

1. Dial 123PAY (123729) from your registered mobile number
2. Choose your language
3. Select the option:
   • Send money
   • Request money
   • Check balance
4. Enter recipient mobile number or UPI ID
5. Enter amount
6. Enter your UPI PIN
7. Payment confirmation via voice message

2. Feature Phone App Method

Some banks provide a lightweight UPI app for feature phones.

Steps:

1. Install the bank-supported feature phone UPI app
2. Link your bank account
3. Set UPI PIN
4. Use keypad options to pay

3. Missed Call Method

For small payments and balance checks (availability may vary):

1. Give a missed call to a bank-specific number
2. Receive a callback
3. Follow IVR instructions
4. Enter UPI PIN to confirm

4. Sound-Based Payments (Near Field Audio)

• Uses sound waves to transmit payment details
• Useful in offline or low-network areas
• PIN entry still required

How to Register for UPI 123 Pay

Step-by-Step Registration

1. Ensure your mobile number is linked to your bank account
2. Dial 123729
3. Select “Register”
4. Choose your bank
5. Enter debit card details (last 6 digits & expiry)
6. Set your UPI PIN

Registration is usually a one-time process.

UPI 123 Pay Transaction Limit

• Per transaction limit: Typically up to ₹10,000
• Daily limit: As per bank rules

Limits may vary by bank. Check during IVR prompts for confirmation.

Charges for UPI 123 Pay

• Free for users
• No extra charges for making payments
• Normal call charges may apply depending on your mobile plan

Common Problems & Troubleshooting

Payment failed?

• Check network signal
• Ensure correct UPI PIN
• Confirm recipient details

Unable to register?

• Mobile number not linked to bank
• Debit card inactive or expired

IVR not responding?

• Try again after some time
• Call during low-traffic hours

Security Tips for UPI 123 Pay

• Never share your UPI PIN
• Use only the official 123729 number
• End call immediately if you hear suspicious prompts
• Change UPI PIN regularly

UPI 123 Pay vs Regular UPI Apps

Feature	UPI 123 Pay	UPI Apps
Phone type	Feature phone	Smartphone
Internet	❌ No	✅ Yes
QR scan	❌	✅
Ease of use	Very simple	Feature-rich
Availability	24×7	24×7

FAQs: UPI 123 Pay

UPI 123 Pay makes digital payments accessible to everyone—even without internet or a smartphone. With simple IVR-based steps and UPI-level security, it is ideal for senior citizens, rural users, and anyone using a feature phone.