The payment happens on the incoming call.
A merchant displays a phone number. The customer gives it a missed call and receives a call back. They authenticate the transaction by entering their UPI PIN. The route supports regular purchases, bills, receiving and transferring money.
NPCI's current member list includes banks offering voice payments, with IDFC FIRST Bank explicitly listing missed-call payments. A basic phone becomes the front door to a linked bank account.
Voice, missed call, simple app or proximity sound.
Help young people see more possible futures.
Villiers Park works with young people from underrepresented backgrounds in Hastings, Norwich, Tyneside, Swindon and Cambridgeshire. Its programmes build academic confidence, practical skills and clearer routes into higher education and careers.
A digital pound wallet could sweep extra money into your bank account.
Monday: a digital pound wallet could use a waterfall to move money above its holding limit into a nominated bank account. The Bank of England and HM Treasury expect to decide the project's next steps later in 2026.