No smartphone required! Learn how to send money with UPI on a simple phone in a few clicks. Quick way to use *99# with no internet.
Digital Payments can now be done by everyone without a smartphone.
In this rapid digital age, there are still many people who don’t have a smartphone and that’s perfectly fine. If you are now using a simple phone with buttons (also known as a feature phone) then we have great news! You are still able to send and receive money using UPI (Unified Payments Interface) as well. Without the internet! Without apps!
A service called UPI123PAY, provided by the National Payments Corporation of India (NPCI), allows people with simple mobile phones to be able to use safe and quick bank transactions. Here are a few simple steps to show you how it’s done.
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Step 1: Open Your UPI Account on A Feature Phone
You will use a specific code, *99#, which can be used on most basic phones.
1. Dial *99# from your mobile.
2. A list of banks will appear ,choose your bank by entering the corresponding number
3. Enter the last 6 numbers of your ATM/debit card and the expiry date.
4. Now create a strong 4 or 6 digit UPI PIN (similar to a password), don’t forget this number.
5. And you are done! Your UPI ID is now active for sending and receiving money.
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Step 2: Send Money Without Internet Easily
You are now ready to send money! Here’s how to send money using UPI:
1. In your phone, dial *99# again.
2. Select the option to “Send Money”.
3. Enter the mobile number, UPI ID, or bank account information of the money recipient.
4. Enter the amount, and confirm it.
5. Enter your UPI PIN to authorize the transfer.
6. You will receive a message confirming the money has been sent.
Optional: Download a UPI App to Some Basic Phones
Some newer feature phones support download apps.
1. If your phone supports this, download a UPI app (any UPI app may be used).
2. Open the app and log in with your mobile number and link your bank account.
3. If you need to, set up your UPI PIN in the app.
4. Now you are able to pay using QR code, or by entering a mobile number / UPI ID.
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Even without fancy phones and internet, you can still make digital payments. With UPI123PAY, any person can send money with any basic phone ina safe manner, and do it fast, easy, and secure.