WHAT IT SOLVES: Lets people without smartphones or mobile internet make UPI payments through supported feature-phone methods.
WHAT TO DO: Use UPI 123PAY if your bank and number are set up for UPI.
STEPS:
Check whether your bank account and mobile number support UPI.
Set or remember your UPI PIN securely.
Use a supported UPI 123PAY method such as IVR, missed call, feature-phone app, or sound-based payment.
Enter the payee and amount details carefully.
Confirm the payment only with your own UPI PIN.