Wire · technology
PhonePe UPI 123Pay enables money transfers and merchant payments without internet
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Fusion42 · 1 September 2026 · Fusion42 review
PhonePe launched UPI 123Pay for feature phones in India, enabling money transfers and merchant payments without internet by using an SMS-based system. The service is pre-installed on phones from Nokia, HMD, Lava, and Itel Mobile to expand digital payments to users without smartphones or reliable internet.
This Wire brief sits within Fusion42's coverage of Fintech, and 9 sources have reported it.
◆ ◆ The Wire takeaway
You can now tap into digital payments for India’s large feature phone user base without relying on internet access. If you build fintech or payment products, integrate offline UPI capabilities to reach this underserved market segment.
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9 sources · 31 Aug 2026
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