What is UPI 123Pay Service? How to Use UPI without Internet?

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UPI is an instant real-time payment system developed by the National Payments Corporation of India (NPCI). Unified Payments Interface is very popular in India.

However, the UPI for feature phones never came into the mainstream. Hence, RBI has introduced the 123Pay which can work without an internet connection, unlike the UPI. Moreover, 123Pay also relied on a PIN for successful transactions just like UPI.

So, if you want to know how you can use 123Pay or make UPI payments without an Internet connection, read the article till the end as we have listed the steps to do so.

What is UPI 123Pay?

123Pay is an instant payment system for feature phone users who can use the UPI payment service in a safe and secure manner.


The 123Pay allows feature phone users to make transactions in four technologies. They include calling an IVR (interactive voice response) number, app functionality in feature phones, missed call-based approach, and also proximity sound-based payments.

This is aimed at benefitting 40 crore feature phone users in the country. Till now, UPI payments were possible only for smartphone users and USSD-based service for feature phones. But, as per the RBI, the new 123Pay UPI system will transform the sector in India.

The IVR process is explained below.

How to use UPI 123Pay service without internet?

  • Dial the IVR number 08045163666 or 6366200200 on your phone.
  • Select your preferred language by pressing the corresponding button.
  • Choose the bank linked with UPI and press 1 to confirm details.
  • Now, Press 1 to transfer money.
  • Enter the phone number of the recipient and confirm.
  • After that, enter the amount you want to transfer.
  • Finally, enter the UPI PIN to complete the payment.


Using 123Pay, you can do everything possible with UPI, except the QR Code scan transactions. To know more about this mode of payment, you can contact the 24×7 toll-free helplines on 1800-891-3333 or 14431.

Overall, 123Pay will not only help those in rural areas but also help the population in urban areas in case of an internet outage. We hope the article helped you in using the 123Pay on your device.


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