And if they work Even with the hard recipe , they are easy enough <| sep |> You can prove an event occurred . <| sep |> The process involves inputting the beneficiary Ac no and IFS code for every single transaction , if I read this correctly . This makes it a more frictional process than UPI , less likely to be used for small ticket purchases , and less likely to be used if the recipient would rather not divulge his bank details to strangers . Edit I saw MMID is a way to avoid account number . You ' re right , it is pretty easy . It does not depend on the internet , which is one thing it has in it ' s favour . I have to wonder why they simply don ' t integrate UPI addresses with this ? A simple from abcbank , to xyzbank , amount 123 process that works without the internet would be a killer proposition and a game changer for even small ticket purchases like buying vegetables . The NCPI ought to realize that making UPI available in this manner to owners of dumbphones would be revolutionary . All they ' d need is a bank account Jan Dhan ? , a Rs 1000 phone with a SIM card in it and a cardboard notice at their stall with their UPI address on it .