UPI Payment Without An Internet Connection: A Step By Step Guide

We often face problem with internet connectivity while making a UPI payment. You no longer have to depend on internet connection if you are aware of *99# service. The service has brought a revolution of sort and ended the need for a strong network connection for making UPI payment in a hassle free and smooth manner.

Your fear will also come to an end that you may have faced several time when internet suddenly goes off in the middle of making payment.

1. About *99# service

*99# service has brought banking services to every citizens living in any corner of the country. The USSD-based NPCI was first launched in 2012 later NPCI launched UPI with member banks on August 25, 2016. The service is provided by 83 renowned banks and top four telecom service provider.

The service allows account holders across banks to send and receive money using a unique id known as UPI id or payment address sans internet connection.
You can access the service in 13 different languages thus making it highly accessible:

2. Top Features of UPI payment service

The service does not require data connectivity that makes it highly available service

The service is available round the clock and even on holidays

Users can access the service via a common code *99# across particular GSM Operators and mobile handsets

Users get additional channel for using BHIM app and key catalyst for financial inclusion

3. Steps to do UPI transaction without internet

To register dial *99# on your mobile phone from your registered mobile number.

You will get a pop-up to select your bank. Once bank is selected, you must select your bank account from the list

Now to create your UPI Pin, enter the last six digit of your debit card

Now enter the expiry date of your debit card

Now enter or confirm your four digit or six-digit UPI Pin. Your UPI Pin is now set.

After UPI Pin is set, you can dial *99# again and see all actions you can now do.

You can dial *99# on your phone and enter 1 to send money without internet connectivity

You can send money either by your bank account number, UPI ID, and IFSC Code

If you choose UPI option, enter beneficiary's UPI ID. In case of bank account number, enter IFSC code and bank account number of recipient. In case of mobile number, enter mobile number of the recipient you wish to send money

Last step is to enter UPI Pin number and choose send to complete transaction. Once money is received by recipient, you will receive a confirmation