Upi Payment: Everybody has experienced the scenario where they urgently need to pay someone but the internet connection chooses to take a vacation. We have become increasingly reliant on online transactions due to the increasing use of UPI (Unified Payments Interface), and even minor inconveniences might make us feel welcomed or even irritated in an emergency. There is an offline option that enables UPI payments without an internet connection, even though UPI transactions do require an active internet connection. You may easily start transactions by using your mobile device to dial the official USSD code.
The National Payments Corporation of India (NPCI) launched this service to guarantee that customers can access banking services even in the absence of internet connectivity. Sending and receiving interbank money, monitoring account balances, and setting or modifying the UPI PIN are just a few of the banking functions made easier by the *99# service. Here’s a comprehensive explanation on how to make UPI payments using the *99# USSD code in the event that your internet connection is lost.
How to Transfer Money from UPI Offline
Transferring money using UPI offline is a straightforward process. Follow these steps to complete your transaction without Internet:
Step 1: Dial *99# from your registered mobile number linked to your bank account.
Step 2: A menu with available banking facilities will appear. Options include:
- Send Money
- Request Money
- Check Balance
- My Profile
- Pending Request
- Transactions
- UPI Pin
Step 3: To send money, type ‘1’ and tap ‘Send’.
Step 4: Select the method for sending money: Mobile Number, UPI ID, Saved Beneficiary, or other options. Type the corresponding number and tap ‘Send’.
Step 5: If you choose to transfer via mobile number, enter the receiver’s mobile number linked to their UPI account and tap ‘Send’.
Step 6: Enter the amount you wish to transfer and tap ‘Send’.
Step 7: Provide a remark for the payment if desired.
Step 8: Enter your UPI PIN to complete the transaction.
Step 9: Your UPI transaction will be processed offline successfully.
Interestingly, this service can also be turned off. Dial *99# from your registered phone number and adhere to the given instructions to disable UPI services offline.
If you are experiencing issues with bank service and the internet is not a problem, you can utilize the UPI Lite service for a fast money transfer without having to enter the passcode.
How to setup and use UPI Lite
To setup UPI Lite:
- Open your UPI app.
- Click “Enable UPI Lite” on the home screen.
- Read and accept the terms and conditions.
- Enter the amount to add to UPI Lite (up to Rs 2,000) and select your bank account.
- Enter your UPI PIN to confirm.
To use UPI Lite:
- Scan any UPI-powered QR code or enter the recipient’s phone number.
- Select UPI Lite as the payment option.
- Your transaction will be processed without needing to enter a passcode.
Notably, UPI Lite is the default method for payments less than Rs 500. Therefore, you can not make big transactions using the process.