Key Highlights
- One of the most widely used digital payment systems in India is UPI
- Users of smartphones can make UPI payments using a variety of apps
- Users using feature phones can also send money using UPI
In today’s digital age, UPI has become a crucial mode of payment. While UPI is widely known among smartphone users, it’s crucial to understand that even feature phone users can now leverage this convenient payment method. To cater to the needs of feature phone users, the National Payments Corporation of India (NPCI) introduced 123PAY, a UPI facility designed specifically for them. With the use of this service, users of feature phones can create a UPI ID and carry out UPI transactions without a smartphone. This development holds great significance as there are approximately 400 million feature phone subscribers in the country, promoting financial inclusivity.
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How To Create A UPI ID On A Feature Phone
To enable feature phone users to have UPI functionality, the process of setting up a UPI ID is straightforward. Here are the steps:
Step 1: Dial *99# on your feature phone.
Step 2: Select your bank’s name and provide the necessary information, such as the last six digits of your debit card and the expiry date.
Step 3: Set up a secure UPI PIN.
Step 4: Once completed, your UPI ID will be activated.
How To Make UPI Payments On Feature Phones
If you want to make payments using your UPI ID on a feature phone, follow these steps:
Step 1: Dial the IVR number 080451 63666.
Step 2: Select your preferred language.
Step 3: Choose the bank linked with UPI.
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Step 4: Press ‘1’ to confirm the details.
Step 5: Press ‘1’ again to send money using your mobile number.
Step 6: Enter the recipient’s mobile number.
Step 7: Confirm the details and enter the amount.
Step 8: Enter your UPI PIN and authorize the money transfer.
Transaction Limits For Feature Phones Using UPI
To ensure security and manage risk, certain transaction limits apply to UPI payments on feature phones:
Per day transactions limit: Rs 1,00,000
Per transaction limit: Rs 5,000
Users of feature phones can now take advantage of UPI payments without a smartphone thanks to NPCI’s introduction of 123PAY. By following a few simple steps, feature phone users can create a UPI ID and seamlessly carry out transactions.
