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India has a huge cell phone customer base of around 118 crore clients. Of this, countless clients are utilizing highlight telephones. Be that as it may, highlight telephone clients have restricted admittance to creative instalment items. To extend the monetary infiltration, the UPI office for highlight telephones, 123PAY was created by the National Payments Corporation of India (NPCI) and sent off by the Reserve Bank of India (RBI) recently. 123PAY empowers include telephone clients to carefully embrace a large group of exchanges given four innovation choices. They incorporate calling an IVR (intelligent voice reaction) number, application usefulness in highlight telephones, missed call-based approach, and closeness sound-based instalments.

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