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UPI 123Pay

UPI 123Pay is a voice-based payment channel that
helps customers make UPI-based bill payments, even
with a regular feature phone.

Live partners

  • IDFC First Bank

    IDFC First Bank

  • UCO Bank

    UCO Bank

  • City Union Bank

    City Union Bank

  • NSDL Payments Bank

    NSDL Payments Bank

  • Bank of India

    Bank of India

  • Airtel Payments Bank

    Airtel Payments Bank


IVR payments are projected to serve ~40 crore feature phone users of India.

  • Smart and secure payments

    The Interactive Voice Response (IVR)-based payment journey lets users make bill payments by simply calling a specified phone number.

  • 24x7 service

    Customers can pay bills at any time of the day.

  • No need for internet connection

    UPI 123Pay only relies on mobile network connectivity to complete bill payments.

How to pay via
UPI 123Pay?

  • 01

    Call the UPI 123Pay number.

  • 02

    Mention the name of the category and Biller when prompted.

  • 03

    You will be prompted to enter your mobile number or customer ID, and the bill will be fetched.

  • 04

    Verify your name, the payable amount and the Biller's name mentioned by the voice prompt.

  • 05

    Enter your UPI PIN to approve the transaction.

  • 06

    Get instant payment confirmation on the call and via SMS.


Convenient bill payments via regular feature phones

No need to have an account on other payment platforms

Reduced offline payments and cash dependency


Customers can make a single transaction of up to ₹5,000 per day.

A user is allowed either up to 20 transactions in a day, or a maximum amount limit of ₹5,000 for the day.

Yes, an IVR service provider can connect with multiple Customer Operating Units within the Bharat BillPay platform. 

Bharat BillPay offers 4 settlement cycles in a day for all IVR-based payments, similar to all the other transactions on our platform.

Bharat BillPay does not levy any extra charge to use this facility. The only charges the user pays for are the tariff plans they have selected with their telecom providers.