UPI without internet: Big news for UPI users. Nowadays, making UPI payments via Google Pay, PhonePe, or Paytm has become an integral part of our everyday routine. The National Payments Corporation of India (NPCI) has introduced a fantastic service that enables you to transfer money to anyone without needing an internet connection. It doesn’t require Wi-Fi or mobile data. This service operates swiftly on both high-end smartphones and basic feature phones with simple keypads.
Let’s explore the complete process of making UPI payments without the internet.
Before you begin using the service, check these 3 things:
1. Your mobile number must be linked to your bank account.
2. UPI service should already be activated on your number.
3. Your phone needs to have a mobile network signal for regular calls and SMS.
Step-by-Step Guide to Sending Money Without Internet
When the internet is unavailable, follow these 5 easy steps to send money:
Step 1: Dial *99# from your phone: Start by opening your phone’s dialer, entering *99#, and pressing the call button. Ensure you dial from the mobile number associated with your bank account. This service is compatible with nearly all major banks in India.
Step 2: Choose the “Send Money” option. After dialing, a pop-up menu will show up on your phone screen, presenting various banking options like “Send Money,” “Request Money,” “Check Balance,” and “My Profile.” You will need to respond by entering the number corresponding to the “Send Money” option to proceed with the transfer.
Step 3: Decide how to send the money. The next screen will provide options for how you wish to send the money. You can transfer funds using the recipient’s UPI ID, mobile number, or bank account number along with the IFSC code. Choose the method that suits you best.
Step 4: Enter the recipient’s details and amount: Depending on the method you’ve chosen, carefully type in the recipient’s mobile number, UPI ID, or bank details. Then, enter the amount you want to send. Some banks also allow you to add a small note or remark, such as rent, food, etc., along with the transaction. Be sure to double-check your details before proceeding.
Step 5: Enter your UPI PIN: In the final step, enter your secret UPI PIN to complete the payment. Once you enter the PIN, your payment will be processed immediately and the funds will be transferred to the recipient’s account. Once the transaction is successful, you will receive a confirmation on your screen and via SMS.
It is important to know these things
Your telecom operator like Jio, Airtel, Vi may charge you a small fee for using offline UPI (*99#) service. The service supports not just English but also several Indian languages, allowing people in rural areas to easily access banking in their own language. This feature will work only if your registered mobile number is active. So next time your internet fails at the market, don’t panic, just dial *99# and complete your payment easily!
