Home Technology Google Pay, PhonePe, Paytm UPI transactions works without the internet. Here’s how

Google Pay, PhonePe, Paytm UPI transactions works without the internet. Here’s how

UPI Transactions working without the Internet

Did you know that to do UPI payments you do not always need an internet connection? Many times, a UPI user face problems doing UPI payments due to slow internet, thus, interrupting the process. But there is also an offline mode to do payments through UPI.

The ‘*99# service’ was introduced to include all mobile users, irrespective of whether they use a smartphone or not, in the UPI ecosystem. If the phone number you are using is linked to your bank account, then you can avail all facilities of UPI using *99#.

For smartphone users, using UPI via *99# may make little sense as they have access to UPI apps but for feature phones, the *99# USSD code is the only choice for paying via UPI. However, one thing should be noted that to make UPI payments through mobile through *99#, users’ mobile numbers must be linked with their bank accounts.

Follow the step-by-step guide below to do UPI payments in offline mode:

  1. Open the dialer of your phone- and enter *99# and tap on the call button.
  2. Then a message will come asking to select language, select your preferred language if you want English, press 1.
  3. Then a menu will appear with lots of options. As we only need to send money, press 1 and tap on send.
  4. Now, select the option through which you want to pay money using UPI to the receiver. If you want to do it using a mobile number, select option 1
  5. After this, enter the mobile number with which the receiver’s bank account is linked
  6. Now enter the amount you want to send and press send and write a remark about the payment.
  7. For the final step, enter your UPI PIN &  press ‘send’.
  8. Once it gets transferred you will receive a transaction status update on your phone along with a reference ID.

Voila, your transaction has been completed that too without an internet connection.

In future, you wish to disable your UPI you can do that too using the *99# option.

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Interior design
Interior design
1 year ago

Thanks for the post
This article is very informative. Nice work! Thanks so much for sharing this article.

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