Is this possible to make UPI payments Without Internet Access? In this article, we will see how to make UPI payments without Internet access.
Has it ever happened to you that you are trying to send money online using Google Pay, Paytm, PhonePe, or any other UPI payment service, and your Internet connection fails for some reason? If so, then *99#, a USSD (Unstructured Supplementary Service Data)-based mobile banking service, could be an important tool for you.
It lets you instantly request and transfer money, change your UPI PIN, and even check your account balance without an Internet connection.
UPI made life easier for millions of Indians by allowing them to make an instant transfer of money from one bank account to another using a mobile application.
Users can seamlessly make and accept payments with service providers such as Google Pay, PhonePe, and NPCI’s BHIM, all of which require a stable internet connection.
Often, when making a UPI payment, we face Internet connectivity issues, but thanks to *99#, internet connectivity does not have to be an issue anymore.
The service has benefited from an evolutionary change and eliminates the need for strong network connectivity for UPI payment in a hassle-free and smooth manner.
Your worries about the internet being suddenly cut off during payment are also eliminated.
The USSD-based NPCI was first launched in 2012, and on August 25, 2016, it announced UPI with its member banks.
83 renowned banks and the top four telecom service providers provide the service, which allows account holders across banks to send and receive money without requiring an internet connection, using a unique ID known as a UPI id or payment address.
The service is available in 13 languages, making it highly accessible.
Criteria for making UPI payment without internet access
- The mobile number must be registered with UPI, and the bank account should be linked to the same mobile number.
- Each of these payments is charged a fee of Rs. 0.50.
Features of UPI payment
- The service does not need data connectivity, making it a highly available service.
- The service is available around the clock, even during holidays.
- Users can access the service from GSM operators and mobile handsets across the globe via a single number, *99#.
- Users get an additional access channel for using the BHIM app and thus is a critical enabler for financial inclusion.
Steps on how to carry out UPI transactions without the internet
Follow the below simple steps to make UPI payments without the internet.
Step 1: To register, from your registered mobile number, dial *99# on your mobile phone, and a pop-up window will open asking you to select your bank.
Step 2: After the bank is selected, select your bank account from the list.
Step 3: To create a UPI pin, enter the last six digits of your debit card. Enter the expiration date of your debit card. Enter or confirm your four-digit or six-digit UPI Pin.
Step 4: You’ve now set your UPI Pin. After your UPI Pin has been assigned, you can dial *99# to check what actions you can now perform, or you can dial *99# on your phone and enter 1, to send money without an internet connection, also you can send money using your bank account number, UPI ID, and IFSC code.
If you choose UPI, type the beneficiary’s UPI ID, IFSC code, and recipient’s bank account number in the case of bank account numbers.
In the case of a mobile number, enter the mobile number of the recipient to whom you want to send money.
For a complete transaction, enter a UPI PIN and click Send. After the money is received by the recipient, you will receive a confirmation email.
How to Make UPI Transactions Without Internet: Wrap Up
Has it ever happened to you that you are sending money using Google Pay, Paytm, PhonePe, or any other UPI payment service and your internet connection stopped working for some reason? If so, then *99#, a USSD-based mobile banking service, could be an effective solution for you.
With just a phone line, you can automatically send and receive cash, change your UPI PIN, and even check your account balance. The 99# service provides banking services to people across the country.
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It is available in 13 different languages, including Hindi and English, and is offered by 83 major banks and 4 telecom service providers. Follow this method to make UPI transactions without the internet.