UPI 123PAY- How to Set UPI Pin From a Feature Phone and What is the Transaction Limit?

A unified payment interface (UPI) is a single platform for making or requesting payments from various bank accounts. It is an instant money transfer service that allows users to conduct transactions 24 hours a day, seven days a week. Previously, this service was only available to smartphones with an internet connection. The RBI, in collaboration with NPCI, launched UPI 123Pay, which will allow customers to conduct digital transactions without the need for an internet connection. It is designed specifically for feature phone users.

What is UPI 123Pay?

UPI 123Pay is a suite of solutions designed to allow non-smartphone/feature phone users to use UPI without an internet connection.

Do I Require a Smartphone to Make a UPI payment?

No, you do not need a smartphone to make a UPI payment with UPI 123PAY.

Is UPI Pin Needed for UPI 123PAY?

You must create a 4-6 digit UPI PIN when you register your account with UPI 123PAY.
Every time a customer conducts a transaction, he must enter his UPI PIN.

How to authorize a UPI 123Pay transaction using the UPI PIN?

The UPI PIN is a 4-6 digit pass code that is generated/set when you first register with the Mobile App/IVR/other channel. You must enter this UPI-PIN to authorise all bank transactions. (Note: The MPIN issued by banks differs from the UPI UPI-PIN.) Please do not reveal your UPI-PIN to anyone.

How to set UPI Pin on UPI 123Pay using a feature phone?

1. Dial the IVR number.
2. Choose a language.
3. Select to register your bank account.
4. Enter their debit card information.
5. Enter their UPI PIN.

How to Change or reset UPI PIN using a feature phone?

Steps to change or reset UPI PIN for UPI 123PAY-
1. Dial the IVR number.
2. Go to settings (Manage your account)
3. Select the registered mobile number.
4. Enter your current UPI PIN twice, followed by your new UPI PIN.
5. UPI Pin is now successfully changed.

What is the UPI payment limit per transaction on UPI 123Pay from a feature phone?

The transaction limit per transaction is INR 5000.

What is the daily transaction limit for UPI payment on UPI 123Pay from a feature phone?

The transaction limit per day is INR 100,000.