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Through UPI 123PAY, feature phone users will now be able to undertake a host of transactions based on four technology alternatives.

1. Payment through IVR number

👉UPI payment through pre-defined IVR numbers (080 4516 3666 & 080 4516 3581 & 6366 200 200) would require users to initiate a secured call from their feature phones to a predetermined number and complete UPI on-boarding formalities to be able to start making financial transactions without internet connection

2. Payment through missed call

👉Customer can then give a missed call on the number prescribed by the merchant and immediately the customer will receive an incoming call from 08071 800 800 asking to authenticate the transaction by entering UPI PIN.

3. Payment through functionality implemented by OEM

👉Digital solution is the UPI app app on feature phone which is developed by Gupshup with Airtel Payments Bank.

👉Currently it can offer majority UPI functionality except Scan and Pay, which work in progress.

4. Payment through sound based technology

👉User can tap any phone and make UPI payments to merchants using ToneTag’s VoiceSe payment solution. User calls the IVR number 6366 200 200 and chooses Pay to Merchant option.

👉They tap their mobile phone on merchant device (POD), and press # once the POD emits the unique tone.

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