Wire · technology
UPI without internet: PhonePe 123Pay launched for feature phones
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Fusion42 · 1 September 2026 · Fusion42 review
PhonePe has launched UPI 123Pay, enabling over 200 million feature phone users in India to make UPI payments without internet via an SMS-based system, partnering with major handset makers for pre-installed access. The service includes peer-to-peer and peer-to-merchant payments, voice-assisted help in multiple languages, and plans for future features like bill payments and recharges.
This Wire brief sits within Fusion42's coverage of Fintech, and 20 sources have reported it between 31 Aug 2026 and 13 Sep 2026.
◆ ◆ The Wire takeaway
PhonePe's SMS-based UPI on feature phones breaks smartphone dependency for digital payments in India. You can now target millions locked out of traditional mobile banking, opening huge user growth potential in underpenetrated rural and low-connectivity areas.
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20 sources · first reported 31 Aug 2026 · latest 13 Sep 2026
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