UPI 123PAY is an instant payment system for feature phone users who can use unified payments interface payment service in a safe and secure manner without internet connectivity.
Through UPI 123PAY, feature phone users will now be able to undertake a host of UPI transactions through pre-defined IVR number.
IVR number for PNB UPI 123PAY – 9188123123
Services under UPI 123PAY
- Registration
- Set UPI PIN
- Payment
- Balance Enquiry
- Manage Account
Registration flow for What is UPI 123Pay
- Customer calls the IVR number-9188123123.
- Customer is requested to select the language.
- Customer is prompted to speak the name of the bank through which he wishes to perform transactions. 4. The customer speaks the name of the bank.
- The solution fetches the accounts of the customer and speaks up the last 4 digits of the account number (eg. Press 1 for account ending with 1234).
- The customer chooses the desired account.
- The solution informs the customer if UPI PIN is already set for the account or not.
- If PIN is already set, customer may proceed for money transfer/Balance
enquiry - If not, customer can set UPI PIN
- If PIN is already set, customer may proceed for money transfer/Balance
Set UPI PIN
- In case customer wishes to set UPI PIN, the customer will be prompted to enter last 6 digits of debit card through keypad.
- The customer is then prompted to enter the expiry date of the card.
- The customer is then prompted to enter the OTP (received from the issuer bank)
- The customer then enters the 6 digit UPI PIN.
- The customer is informed that the UPI PIN is set.
Payment
The customer calls the IVR and press 1 for Money Transfer flow.
![UPI 123PAY](https://img.freepik.com/free-vector/transfer-money-concept-illustration_114360-4165.jpg?w=740&t=st=1688091466~exp=1688092066~hmac=7f0e192241906561f78a6e96bb81c0cd583af791d7a96271a6692ff4d300ed7f)
Through mobile number
- Customer enters the mobile number of the beneficiary
- Customer enters UPI PIN through keypad
- Customer is informed of the status of the transaction
Balance Enquiry
The customer calls the IVR and press 3 for balance enquiry.
- The IVR solution speaks the name of the bank and last 4 digits of account number.
- The customer enters UPI PIN through keypad.
- The IVR solution speaks the balance available in the customer account.
Manage Account
The customer calls the IVR and press 4 for change UPI PIN and 9 for change in default language.
Transaction Limit
Per Transaction Limit | Rs 5000.00 |
Per Day Transaction Limit | Rs 100000.00 |