The Reserve Bank of India on 8th March 2022 has launched UPI123Pay – Option to make Unified Payments Interface (UPI) payments for feature phone users, and DigiSaathi – a 24×7 Helpline to address the queries of digital payment users across products.
UPI123Pay includes four options
1. App-based Functionality, where an app would be installed on the feature phone.
2. Missed Call, which will allow feature phone users to access their bank account and perform routine transactions such as receiving, transferring funds, regular purchases, bill payments, etc., by giving a missed call on the number displayed at the merchant outlet. The customer will receive an incoming call to authenticate the transaction by entering UPI PIN.
3. Interactive Voice Response (IVR)—UPI payment through pre-defined IVR numbers would require users to initiate a secured call from their feature phones.
4. Proximity Sound-based Payments, which would use sound waves to enable contactless, offline, and proximity data communication on any device.
Further the 24×7 Helpline – ‘DigiSaathi’ – provides a channel to obtain help on the entire gamut of digital payments. Automated responses on information related to digital payment products and services are available in Hindi and English through multiple options like – (a) toll-free number (1800-891-3333), (b) a short code (14431), (c) website – www.digisaathi.info, and chatbots. DigiSaathi will assist users with their queries on digital payments via website & chatbot facility and through toll-free calls where user can dial or call out the options / products for which the information is required.
