You may have the latest smartphone with high-speed internet connectivity. How would you feel if the internet fails when you try to pay your valued client? Your 5G mobile with a UPI-enabled app, couldn’t help when you needed it the most. Is there a way to pay without an internet connection?
Come on. Let us find out ways to complete a UPI payment transaction offline! National Payments Corporation of India has brought forward a solution that enables payment without the internet. A USSD code- *99#, helps those in areas with poor internet facilities.
What is a USSD number?
It is a mobile banking arena and assists users in transferring money offline. Four telecom providers and 83 participating banks assist with the transfer of money without the need for an internet connection. Whenever you need to make a payment, dial this USSD number. Your mobile screen will display an interactive menu that assists in completing the transaction.
There is an upper limit of Rs.5000 for making a transaction. There is a small charge of 50 paise per transaction.
How Can We Set Up The UPI Payments App For Offline Payments?
- Step 1: Open your mobile dialer, and dial *99#. It will help you to start a transaction and make a payment.
- Step 2: When you dial this number, it will ask you to select a language of your choice from thirteen language options.
- Step 3: Enter your bank IFSC code in the space provided.
- Step 4: Your smartphone will display all the registered mobile numbers of different bank accounts. You need to choose from them and complete the transaction. The money will be debited when you click confirm from the provided bank account.
- Step 5: Enter the last 6 digits of your account number and the expiry date of your card.
If you follow these five steps, your offline UPI payment is activated.
How Can We Send Money Through UPI Offline?
It is a simple process, and you should follow these instructions carefully.
- Dial *99# from your mobile with the mobile number linked to your UPI bank account.
- Choose a language of your choice.
- Click on the send money or transfer money button.
- Type in the receiver’s mobile number or VPN ID.
- Type the amount you wish to transfer.
- You may type the UPI pin to complete the transfer.
- Click confirm.
You can complete a payment transaction immediately. If you don’t have an uninterrupted internet connection and the problem is with your bank, download the UPI Lite app.
Summing Up:
UPI is a payment interface that facilitates payment from one account to another. Generally, people believe they should have a smartphone with an uninterrupted 5G connection to make a payment. However, NPCI has developed an unstructured supplementary service data-based payment facility to enable people without an internet connection to complete payments.
You can now authorise a payment from your mobile, having any bank account linked to your registered mobile number. Your UPI money payment app facilitates merchant payment and peer-to-peer payment too. People living in areas with low internet connectivity can pay from their mobile. Thus, NPCI has debunked the myth that you need high-speed internet to facilitate a transaction.