How to Make UPI Payments Without Internet Access

As India advances toward becoming a cashless economy, online payments, particularly through UPI payments, have emerged as a driving force behind this transformation. Typically, these transactions require internet connectivity, but there are times when poor connection can cause disruption. To address this, the National Payments Corporation of India (NPCI) has introduced a revolutionary solution that allows UPI payments without the need for the Internet. By using a simple USSD code, you can complete your transactions effortlessly, ensuring connectivity issues no longer pose a problem.

Steps to Make UPI Payments Without Internet:

1. *Dial 99# on your smartphone using the number registered with your bank account. A menu will appear with options such as “Send Money,” “Request Money,” “Check Balance,” and “My Profile.”
2. To send money, type ‘1’ and tap ‘Send’.
3. Choose your preferred transaction method, with options like Mobile Number, UPI ID, or Saved Beneficiary.
4. After selecting the method, enter the receiver’s mobile number linked to their UPI account.
5. Enter the amount you wish to send and tap ‘Send’.
6. Optionally, you can add a comment for the payment.
7. Finally, enter your UPI PIN to complete the transaction.

Once all steps are followed, your transaction will be processed offline, eliminating the need for an active internet connection.

Explore UPI Lite for a Streamlined Experience

For a simpler, clutter-free interface, consider using UPI Lite. This service, which requires an internet connection, is ideal for smaller transactions, allowing payments of up to Rs 500 with ease.

Introducing UPI Circle for Seamless Authorizations

In another development, the NPCI has launched UPI Circle, a payment solution that allows users to authorize others to make transactions from their UPI account under specific conditions. With UPI Circle, a secondary user can perform transactions with minimal intervention from the account holder, all while maintaining appropriate risk management measures.