Now Enjoy UPI Services Offline on Canara UPI 123PAY via IVRS on Feature Phones

The UPI 123PAY feature enables UPI payments via a phone call using the Canara Bank’s IVR number 9558-123-123, eliminating the requirement for a smartphone or internet connectivity.

Unified Payments Interface (UPI) is the most favorable mode of transactions among users. Since its launch, UPI has transformed the digital payments across the country. UPI is predominantly accessed through UPI apps, which require smart phone with internet connection. UPI services can also be availed through NUUP (National Unified USSD Platform) without internet and smart phone using the short code *99#. But this option is cumbersome and not popular.

With its “Mobile first “approach, UPI is able to facilitate multiple & new use cases, however feature phone users are still not able to enjoy the benefits of UPI.

To overcome the above limitations and to make the feature phone users in the country to utilize the benefit of UPI services seamlessly, an Interactive Voice Response (IVR) based UPI solution named “UPI 123PAY” has been introduced by Canara Bank. This facility can be availed through a dedicated IVR number.

Canara UPI 123Pay IVR Number: 📱 9558-123-123

Call karo. Pay Karo.

Voice Based Payments: A secure phone call-based extension on UPI infrastructure to make payment available for:

✅ Everyone
✅ With Any Phone
✅ From Anywhere in India

The Salient Features of UPI 123Pay 🎉

• Services are offered in 10 regional languages apart from English and Hindi.
• Users can give voice input for performing transactions.

Services Offered under UPI 123PAY 💵

1. Money transfer to Mobile Number
2. Balance Enquiry
3. Refilling a FASTag for tolls
4. UPI PIN change
5. Language selection
6. De-registration

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Registration Process for Canara UPI 123PAY ✍

1. User dials the dedicated IVR number: 9558-123-123 from the registered mobile number.
2. For the first time, user will be asked to set default language.
3. For registration purpose, the on-going call gets disconnected. Then, User gets a IVRS based call back and instructions are given for linking Bank account.
4. User has to give voice-based input for selecting the Bank (Name of the Bank). Based on the Bank selected, Account numbers linked to user mobile number will be retrieved to enable the user to select and link anyone account.
5. On successful linking of Bank account, new UPI ID will be assigned to the user in the Bank prescribed format i.e., <10-digit user Mobile number>.ai1@cnrb
6. If user had already set UPI PIN on any UPI platform, the same can be used for performing transactions. Otherwise, user must set UPI PIN using debit card details linked to the selected account.
7. Users completed registration on UPI 123PAY can perform transactions by again dialing to dedicated IVR number 9558-123-123.

Conditions Applicable for availing Canara UPI 123PAY Services 📑

• Users should explicitly register to this facility, even if they are already using UPI services through UPI apps.
• Separate VPA/UPI ID will be allotted upon registration.
• Presently, only peer-to-peer transactions (P2P) are permitted.
• Maximum 5 transactions are allowed in a day.
• Only one account can be linked to a mobile number.

The following Transaction Limits are applicable for Canara UPI 123Pay:                     

• Maximum limit per transaction: Rs. 1000/-
• Cumulative maximum daily usage value: Rs.5,000/-

User on-boarding in UPI 👤

Customers can be on-boarded onto UPI through the platforms mentioned below:

1. The BHIM Mobile Application
2. UPI Bank PSP Apps
3. Third Party UPI Compliant Apps
4. *99# (USSD)
5. Each bank’s mobile banking apps that support UPI
6. UPI 123Pay – Unified Payment Interface (UPI) for feature phone and voice-based payments

The tools listed above cover the complete gamut of mobile devices in India and also cover both the data base of customers connected to mobile data and customers not connected to mobile data.

4 Solutions under UPI 123Pay ✅

1. UPI Payment via IVR Number
With this solution, customers can utilize UPI services by dialing a predetermined number. They can select options through the keypad to access and benefit from UPI services.

2. Missed Call Payment
This solution enables customers to conduct transactions by calling a number presented on the merchant‘s side. Subsequently, the customer receives a call from a designated number to verify the transaction by entering their UPI PIN. Once the UPI PIN is entered correctly, the transaction is deemed successful.

3. OEM-Implemented Payment Functionality
Through this solution, customers can have a UPI app on their feature phone, allowing them to seamlessly make transactions.

4. Sound-Based Payment Technologies
This innovative solution requires customers to dial the IVR number, choose the “pay to merchant” option, tap their mobile phones on the merchant device (POD), press # once the POD emits a unique tone, and then enter the amount and UPI PIN to complete a successful transaction.

5 Business Benefits of UPI 123PAY 🎁

1. Merchants can enroll themselves by calling a designated number.
2. This system ensures safe and secure transactions for feature phone users, enabling them to receive money online even in areas with low or no internet connectivity.
3. It provides the capability to accept payments from customers without access to other digital payment methods
4. Suitable for various transactions, including e-commerce, utility, and small retail purchases.
5. Additionally, this solution addresses challenges related to exact change, cash security/portability concerns, and issues associated with Cash on Delivery transactions.

For example, following merchants have issued designated phone number to use the UPI 123 pay features:

1. P2P & Mobile Recharge: 080-45163666
2. Bharat Gas payment & Booking: 080-4516-3554
3. IDFC bank issued FASTag Recharge: 080-4516-3557

Frequently Asked Questions (FAQs) 🤔

Q. Which languages are supported on UPI 123Pay?
English, Hindi, Kannada, Tamil, Benagli, Malayalam, Telugu, Gujarati, Marathi, Punjabi.

Q. What if I transfer money, it is debited from my account but beneficiary does not receive it?
In case of failures money will be refunded back to your account. Sometimes this takes longer than intended. If you do not receive the refund within 1 hour, please contact customer support at your bank.

Q. Can I activate UPI without ATM Card?
No, debit card details are required to activate UPI.