UPI 123 Pay: Making UPI Payments via Phone Call Without Internet

In today’s digital age, the internet has simplified many aspects of our lives, including financial transactions. Gone are the days of visiting banks and depositing physical checks.

With a smartphone and an internet connection, you can perform various financial tasks from the comfort of your home.

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But did you know that you can now transfer money even without an internet connection? Discover how UPI 123Pay by HDFC Bank is revolutionizing payments without the need for the internet.

 UPI 123Pay: Payments via Phone Call

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HDFC Bank’s innovative UPI 123Pay service allows anyone to effortlessly make UPI payments by simply making a phone call, even if they don’t have an internet connection or a smartphone.

This Interactive Voice Response (IVR) system lets customers book and pay for services hassle-free.

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 UPI Plug In Service

In addition to UPI 123Pay, HDFC Bank also offers a UPI plug-in service, streamlining your payment process while shopping. Say goodbye to juggling between different apps when making payments.

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Autopay on QR Code

With Autopay on QR Code, setting up automatic payments using UPI QR codes has never been easier.


This feature allows you to make recurring payments for services such as OTT apps, mobile bills, and subscriptions without the need for manual transactions each time.

UPI Payments Offline


Even when your phone lacks an internet connection or you’re facing signal issues, you can still make UPI payments.

Simply dial *99# from your phone to access this service. You’ll need to create your UPI account and link your phone number to your bank account initially.

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This service is available through all mobile network providers in the country and supports 13 languages, including Hindi and English.

With these innovative UPI services, HDFC Bank is ensuring that financial transactions remain accessible and hassle-free, even in scenarios where internet connectivity is limited.

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