NPCI Working On Voice-Based Payment System: National Payments Corporation of India i.e. NPCI (National Payments Corporation of India) is testing a voice-based payment system for customers living in remote and under-networked areas who use feature phones. If all goes well, then in the coming time, feature phone users will be able to complete their transactions through Aadhaar Enabled Payment System (AePS – Aadhaar Enabled Payment System) even in low or poor networks. People living in low connectivity areas will be able to take advantage of this useful feature of phones. Let us tell you that NPCI is the corporation that has prepared systems like UPI (Unified Payments Interface), Fastag, and AePS.


According to reports, this new service will be started through the Inter-Portable UPI Protocol. With this feature phone, users will not need any third-party app or stable internet connection to complete any transaction.

At present, this project is being betaed testing as an “Interactive Voice Response” or IVR payments project. RBI-controlled sandbox is monitoring this pilot project. But after its first test, it will require RBI’s green signal to roll out. According to media reports, it is being prepared by a Bangalore-based company.

Let us inform you that NPCI and RBI are working together on such feature phone-based payment options that do not require expensive authentication hardware like biometric scanners or POS machines in backward areas with tier-2 and tier-3 cities where internet is less. There are about 400 million feature phone users in the country. Due to the support of a voice-based payment system, they will not need a third-party app or the internet.

Through this service, users will be able to do peer-to-peer transactions with bank accounts, debit cards, and registered mobiles along with payments to merchants. Users will be able to use the simple PIN found in the mobile just like the PIN used like UPI. Dual Tone Multi-Frequency (DTMF) system, the security cover of two-time authentication will tell the user in his local language.


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