Offline UPI payments: how to make UPI payments without internet? www.deekpay.com

offline (computing)UPI paymentsProvides a solution for conducting digital transactions even in areas with poor network coverage. The service is based on the USSD code *99# and allows users to carry out various mobile banking transactions without the need for an internet connection. Users can transfer money, changeUPI PIN code and view account balances.

What is an offline UPI payment number

NPCI (National Payments Corporation of India) and its member banks were launched on 25 August 2016Unified Payment Interface of India (UPI).UPIuse what is known asUPI ID or a unique ID for a payment address, allowing account holders from different banks to send and receive funds.

UPI was launched to reduce payment delays and make the payment process easier and smoother for everyone as the feature is available and accessible 24/7 all year round.

With UPI, users have the option to create their own UPI ID. in addition to the UPI ID, users can send money using a standard financial address (i.e. account number + IFSC).

UPI was originally conceptualised as a mobile application-based solution, primarily for Internet-compatible mobile phones (smartphone users). However, UPI is now also available for non-Internet based mobile devices or feature phones as a dialling option (*99#) called USSD 2.0.

UPI Offline Payment number is *99# which authorises the user to access UPI services without an internet connection.UPI Offline Payment service is provided by National Payments Corporation of India (NPCI) was initiated to promote multi-bankUPI payments.

By dialling *99# on a mobile phone, bank customers can use this service and conduct offline transactions through an interactive menu.

The *99# service is currently available with all GSM service providers and 83 major banks. The service is available in 13 languages, including English and Hindi.

To use this service, the user simply dials the USSD number using the registered mobile phone number and follows the interactive menu on the screen of the mobile phone to carry out the transaction.

Transactions using this service are currently capped at Rs. 5,000. These offlineUPI TradingRs. 0.50 per transaction.

How to set up an offline UPI account

Before making an offline UPI payment, users must set up an account on their mobile phone to enable the feature.

Here are the steps

Firstly, switch on your mobile phone and dial *99#. users need to dial this USSD code to enable offline UPI payments. Note: Remember to make this call from the phone number associated with your bank account. If another phone number is used to operate this service, it will not work. Immediately thereafter, the user will be asked to select the preferred language from a list of 13 languages. After that, the user will be asked to enter the bank IFSC Code. Once the system recognises the bank IFSC, it will display all the bank accounts associated with the phone number (provided that the number registered with the bank is used). The user can select the account to be used by entering "1" or "2". In the last step, the 6-digit card number and expiry date are entered for verification. Upon successful completion of all these steps, the offline UPI payment feature will be activated automatically. Users can simply dial *99# to access this feature.

How to make a UPI payment without internet access

While online payments are convenient, there are many disadvantages to online payments such as security breaches, payment delays, poor internet connections, and more.

The Government of India has decided to change UPI payments to offline payments so that common people can use them.

Payment steps using offline UPI:

Firstly, dial *99# on your mobile phone, the phone number is the phone number registered in the user's bank account.

Upon completion, a menu will appear with all available options. The user will be presented with the following options:

payee Request for remittance Check Balance My Profile Pending Requests Transactions UPI PIN

At this point, the user can select the relevant option according to their needs. For now, let's choose "1", i.e. remittance.

Now, enter the UPI ID to be paid.

Next, the system will ask for the amount to be sent. Click Send when you are done.

The software will ask for the UPI PIN code to verify the payment. Once the correct PIN code is entered, the payment will be completed automatically.

With that, the offline UPI deal has been successfully completed!

Note: Users can also disable offline UPI service by calling *99# from a registered phone number and following its instructions.

concluding remarks

To access the offline UPI payment service, users can simply dial *99# using the mobile number registered with the bank. It is important to note that the transaction limit for offline UPI payments is low, typically around Rs. 5,000 per transaction. While this limit may be restrictive for larger transactions, it is still a valuable solution in challenging situations where internet connectivity is limited or unavailable.

Offline UPI payments provide a convenient and easily accessible way to make digital transactions without relying on an internet connection. These services are available in multiple languages, making them inclusive of users from different parts of India.

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