UPI, or Unified Payments Interface, is a popular digital payment system in India that allows users to make instant money transfers and payments using their mobile devices. UPI transactions require an internet connection, but there are some methods to make UPI payments without internet connectivity. In this guide, we’ll explore how to make UPI payments without internet.
Method 1: Dial *99#
The National Payments Corporation of India (NPCI) has launched a service called *99# that allows users to make UPI payments without internet connectivity. Here’s how to use the *99# service to make UPI payments:
Step 1: Dial *99# from your mobile phone.
Step 2: Select the language you’re comfortable with.
Step 3: Enter the first four digits of your bank’s IFSC code or select your bank from the list provided.
Step 4: Select the option for “UPI.”
Step 5: Select the option for “Send Money.”
Step 6: Enter the recipient’s mobile number or UPI ID.
Step 7: Enter the amount you wish to transfer.
Step 8: Enter your UPI PIN.
Step 9: Confirm the transaction.
Method 2: Use UPI-enabled SMS
Some banks allow users to make UPI payments through SMS. Here’s how to use UPI-enabled SMS to make a payment:
Step 1: Open the SMS app on your mobile phone.
Step 2: Compose a new message to the bank’s UPI-enabled SMS number.
Step 3: Type “UPI(space)Pay(space)recipient’s VPA (UPI ID)(space)amount” in the message body.
Step 4: Send the SMS.
Step 5: You will receive a confirmation SMS from the bank.
Method 3: Use USSD-based banking
USSD-based banking is another method to make UPI payments without internet connectivity. Here’s how to use USSD-based banking to make a payment:
Step 1: Dial the USSD code for your bank.
Step 2: Select the option for “UPI.”
Step 3: Select the option for “Send Money.”
Step 4: Enter the recipient’s mobile number or UPI ID.
Step 5: Enter the amount you wish to transfer.
Step 6: Enter your UPI PIN.
Step 7: Confirm the transaction.
Method 4: Use UPI-enabled ATMs
Some banks offer UPI-enabled ATMs that allow users to make UPI payments without internet connectivity. Here’s how to use a UPI-enabled ATM to make a payment:
Step 1: Insert your ATM card into the UPI-enabled ATM.
Step 2: Enter your ATM PIN.
Step 3: Select the option for “UPI.”
Step 4: Select the option for “Send Money.”
Step 5: Enter the recipient’s mobile number or UPI ID.
Step 6: Enter the amount you wish to transfer.
Step 7: Enter your UPI PIN.
Step 8: Confirm the transaction.
Conclusion
UPI payments have revolutionized the way we make digital transactions in India. While internet connectivity is usually required for UPI transactions, there are several methods available to make UPI payments without internet. Using *99#, UPI-enabled SMS, USSD-based banking, and UPI-enabled ATMs are all effective methods for making UPI payments when internet connectivity is not available. By using these methods, you can enjoy the convenience and flexibility of UPI payments anytime, anywhere.
