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RBI launches UPI for feature phones: Know how to make payment without internet with a simple feature phone

the Reserve Bank of India (RBI) announced UPI123Pay, a new digital payment option for feature phones based on the Unified Payments Interface (UPI).
RBI launches UPI
RBI launches UPI (image-unsplash)

On Tuesday, the Reserve Bank of India (RBI) announced UPI123Pay, a new digital payment option for feature phones based on the Unified Payments Interface (UPI). The UPI system has so far been restricted to cellphones with internet access. 78-80 crore of these people have smart phones, while the remaining 80 crore use feature phones. Due to the phone they use, tens of thousands of users have been unable to do UPI transactions. The central bank of India established this new payment mechanism to incorporate all such users and bring them into the mainstream of digital payments.

Users will be able to make UPI transactions using feature phones using UPI 123Pay. All other functions will be available to consumers, with the exception of the scan and pay UPI option for smartphones. Transactions in the new digital payment option do not require an internet connection. To utilise the UPI 123Pay service, people must link their bank accounts with feature phones. Those with feature phones may now utilise the UPI 123Pay option to make a variety of payments, from person to person to merchant. The languages utilised in UPI 123Pay will be Hindi and English at first.

Customers will be able to send money to friends and family, pay utility bills, recharge FASTags, pay mobile bills, and check account balances, according to the central bank, Customers will also be able to link bank accounts and establish or update UPI PINs.

In recent years, UPI has become one of India's most popular payment methods. UPI is the country's single largest retail payment system in terms of transaction volume.