How to make UPI payments using a simple feature phone is now simple, safe, and helpful for millions of users worldwide. This method works perfectly without the internet and supports people living in low-network areas.
Every step uses clear menus, voice calls, and basic phone functions. This guide explains all offline UPI methods in easy language without missing any important details.
Key Takeaways:
- UPI works on feature phones without the internet.
- Payments can be made using IVR, *99# USSD, or sound tech.
- Only a linked number and UPI PIN are needed.
How to Make UPI Payments Using a Simple Feature Phone
Making UPI payments using a simple feature phone begins with linking your mobile number to your bank account. This link is very important because it verifies your identity during every offline payment.
Many users prefer feature phones today because they last longer, cost less, and support a calm digital life. The RBI introduced UPI 123Pay to support these users and help them make payments without the internet.
The UPI 123Pay service works through a simple voice call. Users must dial the official IVR number 08045163666 to connect with the UPI system. After the call connects, users hear a menu offering different language choices.
First-time users are guided to link their bank account using their registered mobile number. The system then shows options like checking balance, sending money, or requesting money.
When sending money, users must choose the transfer option and enter the receiver’s mobile number, UPI ID, or bank account and IFSC details.
They then enter the amount using the keypad. Finally, users enter their UPI PIN to complete the payment. A confirmation message plays at the end, showing that the transfer is successful. This entire process works offline without any internet connection.
Users must create a four to six-digit UPI PIN during setup. This PIN confirms the identity of the user for every payment.
If a user already has a PIN from a smartphone app, the same PIN works on the feature phone too. This makes the system very simple for all kinds of users.
Offline UPI Payments Using USSD, Sound Technology, and Built-In Apps
UPI payments from a simple feature phone can also be done using the *99# USSD service. This service gives users a special UPI menu even when there is no internet. Users must dial *99# and follow the instructions on the screen.
The menu shows options like send money, request money, check balance, and more. Users enter receiver details, enter the amount, and enter the UPI PIN to finish the payment. This service works on almost every feature phone in India.
Some feature phones include built-in UPI apps. These apps allow balance checks, money transfers, and bill payments.
They work like simple versions of smartphone UPI apps, but do not support scan and pay because feature phones have no cameras.
Sound-based payments are also possible on some devices. Users select the Pay to Merchant option on their phones and tap the phone near the merchant’s sound box.
The device plays a unique sound that verifies the connection. Users press the hash key, enter the amount, and confirm the payment with their UPI PIN. The sound box then plays a confirmation tone to complete the process.
The End Note
How to make UPI payments using a simple feature phone is now easier than ever, giving users a reliable payment method without the internet. Users can make payments through IVR calls, USSD menus, sound-based tools, or simple built-in apps.
Every method works smoothly and supports secure digital payments anytime. These offline systems help people stay connected to digital services even in low-network places.
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