Unified Payments Interface (UPI) has revolutionized the way we handle transactions in India. However, there are times when an internet connection might not be available. Fortunately, UPI offers a way to make payments without the need for internet access. This guide will walk you through the steps to make UPI payments offline using the *99# service, ensuring you can complete transactions anytime, anywhere.

What if there is no connectivity?

Do not worry, it is still possible to make UPI transactions even without an internet connection through USSD codes. This article walks you through each step so that you will be able to handle your financial transactions when you are disconnected.

Prerequisites

First, this requires one to have a UPI-compatible bank account and a mobile number to be registered. Ensure also that your bank allows transactions via USSD code. One has to have a UPI account; one can be created in any UPI app by only linking the bank account and creating the UPI PIN.

Understanding USSD Codes

Think of USSD codes as just a signature for being able to connect to your gadget in many ways. Just dial some words through a USSD connection, and you will be able to check your account balance, get short updates on your statement, or even conduct transactions through UPI.

Step-by-Step Guide to Making UPI Payments Without Internet

1. Dialing the USSD Code (99#)

To initiate a UPI transaction, dial *99# from your registered mobile number. This USSD code connects you to the National Unified USSD Platform (NUUP).

2. Navigating the USSD Menu

Once connected, a menu will appear with options such as:

1. Check Balance
2. Send Money
3. Request Money
4. My Profile

3. Completing a Transaction

• Sending Money:

1. Select ‘Send Money’ from the menu.
2. Enter the recipient’s UPI ID or mobile number.
3. Input the amount you wish to transfer.
4. Enter your UPI PIN to confirm the transaction.

• Requesting Money:

1. Select ‘Request Money.’
2. Enter the payer’s UPI ID or mobile number.
3. Specify the amount and submit the request.

Security Measures

While making UPI payments without the internet, it’s crucial to follow security practices:

• Keep your UPI PIN confidential.
• Always verify the recipient’s details before confirming a transaction.
• Be cautious of phishing scams and unsolicited requests for your UPI information.

Troubleshooting Common Issues

1. USSD Code Not Working:

• Ensure you have sufficient network coverage.
• Verify that your mobile number is registered with your bank.

2. Transaction Failures:

• Check if you have entered the correct UPI PIN.
• Confirm the recipient’s UPI ID or mobile number.

3. Account-Related Issues:

• Contact your bank for assistance with account-specific problems.

Benefits of Using UPI Without Internet

Using UPI without internet offers several advantages:

• Accessibility: Convenient for users in areas with poor internet connectivity.
• Convenience: Easy and quick transactions via a simple USSD code.
• Security: Encrypted transactions ensure your data remains safe.

Limitations and Considerations

Despite its benefits, offline UPI payments have some limitations:

• Transaction Limits: There may be daily limits on the amount you can transfer.
• Network Availability: Requires basic mobile network connectivity.
• Compatibility: Not all banks support USSD-based UPI services.

Conclusion

Making UPI payments without an internet connection is a convenient feature that ensures you are never stuck, even in areas with poor connectivity. By using the *99# service, you can easily perform transactions offline. Follow the steps outlined in this guide to leverage this feature and enjoy seamless payments regardless of your internet connectivity.

How to Make UPI Payment Without Internet

How to Make UPI Payment Without Internet – FAQs

What should I do if my UPI payment without internet fails?

If your UPI payment without internet fails, check for sufficient balance, ensure your mobile number is linked to your bank account, and try dialing *99# again. If the issue persists, contact your bank’s customer service for assistance.

Is it safe to make UPI payments without internet using the 99# code?

Yes, making UPI payments without internet using the *99# code is safe and secure, as it is a service provided by the National Payments Corporation of India (NPCI).

What is the USSD code for making UPI payments without internet?

The USSD code for making UPI payments without internet is *99#. Dial this code from your registered mobile number and follow the on-screen instructions to complete your transaction.