IVR Ka Use Karke Internet Ke Bina Kare UPI Payments: UPI payments bahut zaruri ho gaye hain digital transactions ke liye. Local vendors aur high street shops bhi iska use karte hain swift money transfers ke liye. Lekin limited internet connectivity wale areas, jaise ki rural regions, UPI ko adopt karne mein kathinai ka saamna karte hain. Is samasya ka samadhaan karne ke liye Punjab National Bank (PNB) ne UPI 123PAY naam ka ek IVR-based UPI solution launch kiya hai. Ye naya solution users ko kisi bhi tarah ke phone par, bahut hi kam internet connectivity wale zones mein bhi UPI transactions karne ki suvidha pradaan karta hai.
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UPI123PAY, National Payments Corporation of India (NPCI) dwara develop kiya gaya hai, aur feature phones ke liye UPI payments ko enable karta hai, jisse internet connection ki zaroorat nahi hoti. Pichle saal, Reserve Bank of India (RBI) ne 123PAY introduce kiya tha, jo feature phone users ko char alag-alag technological options ki madad se transactions karne ki suvidha pradaan karta hai. Ye options IVR number par call karna, feature phones mein app functionality, missed call-based approach aur proximity sound-based payments shaamil hain.
Unified Payments Interface (UPI) ek 24*7 payment channel hai, jisme customers fast, encrypted aur real-time payments kar sakte hain. Is solution tak abhi tak sirf smartphones ya USSD service ke through hi pahuncha ja sakta tha aur iske liye achhi internet connectivity ki zaroorat hoti thi.
PNB Customers UPI 123PAY Ka use Karke Kuch Aasan Se Steps Follow Karke Payment Kar Sakte Hain.
Sabse pehle, unhe bank ke easy-to-remember IVR number "9188-123-123" par call karna hoga.
Fir, beneficiary ko choose karne aur transaction ko authenticate karne ki zaroorat hogi.
UPI 123PAY ko multilingual banaya gaya hai aur ye customer ke preferred language mein available hoga.
PNB ke MD & CEO Atul Kumar Goel ke anusaar, "UPI 123PAY sabhi tarah ke phone wale users ko UPI ke through payments karne ki suvidha pradaan karega. Ye functionality non-PNB customers ke liye bhi available hai."
NPCI ki website ke anusaar, UPI payment predefined IVR numbers (080 4516 3666 & 080 4516 3581 & 6366 200 200) ke through kiya ja sakta hai. Iske liye users ko secure call initiate karna hoga apne feature phone se predetermined number par, aur UPI on-boarding formalities ko complete karne ki zaroorat hogi. IVR multiple language options provide karta hai, jisse customer apni preferred language mein is service ka use kar sakte hain. IDFC First Bank, City Union Bank aur NSDL Payments Bank ne bhi IVR payments par live ho chuke hain.
Conclusion:
UPI 123PAY ek naya aur innovative solution hai jo limited internet connectivity wale rural areas ke logon ko UPI transactions karne ki suvidha pradaan karta hai. Iska istemal cash ke liye depend karne wale logon ke liye bahut hi faydemand hai. PNB customers kuch aasaan se steps follow karke UPI 123PAY ka istemal karke fast, secure aur hassle-free payments kar sakte hain. Ye IVR-based UPI solution multiple languages mein available hai aur PNB aur non-PNB customers dono ke liye accessible hai.
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