Here is how to make Upi payments without Internet via an Ivr number


To promote the use of the UPI function, the National Payments Corporation of India (NPCI) has developed the UPI123PAY for feature phones to make UPI payments without the need of an internet connection.

It was launched by the Reserve Bank of India (RBI) earlier this year. 123PAY allows feature phone users to perform a multitude of transactions based on four technology alternatives. One of them is to call an IVR (interactive voice response) number to make UPI payments.

However, feature phone users will need to set up their account before making payments using the 123Pay method and the IVR method.

Here is a step-by-step guide to create a UPI ID and use the IVR feature:

Steps to create a UPI ID:

Step 1: Dial IVR-080 4516 3666 or 080 4516 3581, or 6366 200 200 from your feature phone using the registered mobile number linked to the bank account.

2nd step: Mention the name of the bank of the account for which you wish to register for UPI banking.

Step 3: Choose the account for which you want to create the UPI ID from all the accounts of the selected bank that are listed.

Step 4: Enter the last six digits of your bank debit card and the OTP received from the bank. Once these details are verified, you can set a 4/6 digit UPI PIN for the respective bank account.

Step 5: If a UPI PIN already exists for the selected account, skip the step above.

Step 6: The user profile will be created with the linked bank account.

Steps to make digital UPI payments through an IVR number:

Step 1: Dial the IVR number – 080 4516 3666, 080 4516 3581 or 6366 200 200 from the registered mobile number and select the type of payment you wish to make, for example:

  • Money transfer
  • Merchant payment
  • Balance check
  • Mobile recharge
  • FASTag refill
  • Account settings and management
  • 2nd step: Once the option is chosen, you will be validated for registration completion and then directed to the selected option.

    Step 3: Then to make a transfer:

  • Enter the mobile phone number of the beneficiary to whom you wish to transfer the funds.
  • Confirm the details.
  • Enter the amount you wish to transfer.
  • Enter your UPI PIN and authorize the money transfer.
  • The transaction will be completed and the amount will be debited from your bank account
  • The 123Pay UPI can be used to perform a host of transactions such as paying Bharat Gas bills, utility bills, mobile bills, fund transfers, FASTag recharge and much more. There are other methods such as app functionality in feature phones, missed call based approach and proximity sound based approach to make payments from feature phones using 123Pay.

    (Edited by : Shoma Bhattacharjee)


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