How To Do UPI Payments Without Internet?

Since UPI (Unified Payments Interface) payments have become popular, sending and receiving money has become easier. You just need to use your mobile internet, and you can make the payments within seconds. But what if your internet is not working? You can still make UPI payments! Yes, you can use the *99# service to make UPI payments without internet.

Let’s talk more about this in detail with the following read. Here, we will discuss the fundamentals of UPI without internet, how to register for it, how to stay safe while using it and more.

What is *99# UPI Service?

*99# is the code for offline UPI payments. It is a special USSD (Unstructured Supplementary Service Data) based mobile service launched by NPCI (National Payments Corporation of India) to help people use UPI without internet. So, you just need to dial *99# from your phone, and a menu will open on your screen.

With this menu, you can select to send money to someone or ask for money. You would also be able to check your bank account balance, change your UPI PIN or check your last UPI transactions.

How to Register for Offline UPI

To use the *99# UPI service, you will first need to activate it. Here’s how you can register for offline UPI in simple steps:

Step 1: Make sure your bank account is linked to your mobile number.

Step 2: Dial *99# on your mobile.

Step 3: Select your preferred language.

Step 4: Now, enter the bank details required (IFSC code) and select your bank from the list available.

Step 5: Complete the debit card verification by entering the last 6 digits of your debit card and expiry date.

Step 6: Once details are submitted, your offline UPI payment will get activated.

Going forward, you would not need any UPI app or the internet to send money. With this, you can easily make a UPI payment without the internet.

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

Now that your UPI without internet is activated, here’s how you can make a payment using *99#:

Step 1: Open your phone and dial *99#.

Step 2: Now, a list of options will appear. Press 1 to send money.

Step 3: Choose how you want to send money. Press 1 to send to a mobile number. Press 2 to send a UPI ID. Press 3 to send to a bank account.

Step 4: Enter the details of the person you want to send money to.

Step 5: Enter the amount you want to send.

Step 6: Enter your UPI PIN to confirm the transaction.

Limits and Restrictions

When you use offline UPI payment, there are certain limits you need to know:

• You can only send up to ₹5,000 per day using the *99# service.- However, this limit may also be lower for some banks, as different banks have different UPI transaction limits.
• You can only make 20 transactions per day.
• You can use this service only with the SIM that is linked to your bank account.

Though the offline UPI payment is secure, here are some safety tips for you:

• Never share your UPI PIN with anyone.
• Double-check the mobile number or UPI ID before you send money.
• Only use your own phone to make payments.
• Don’t let strangers use your phone to dial *99#.
• Get your SIM blocked if your phone is lost or stolen.

Banks Supporting Offline UPI

Many popular banks in India support the *99# service. The list includes State Bank of India (SBI), HDFC Bank, ICICI Bank, Axis Bank, Punjab National Bank (PNB), Bank of Baroda, Canara Bank and more.

To confirm, you can call your bank’s customer care and enquire about their offline UPI services.

Conclusion

So, if you live in an area where the internet connection is weak or if you are someone with a basic phone, the *99# service would be a great help to you. With this, you can easily make a UPI payment without internet. You would also be able to check your bank account balance or even change your PIN.

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