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In our rapidly advancing digital age, online transactions have become commonplace. Unified Payments Interface (UPI) has revolutionized the way we transfer money, making it quick and easy. But what happens when you don’t have access to the internet? Worry not! You can still make UPI payments offline. This guide will walk you through the process step-by-step.

What is UPI

The Unified Payments Interface (UPI) is an immediate payment system developed by the National Payments Corporation of India (NPCI).
It facilitates instant transfer of funds between two bank accounts using a mobile device. While UPL transactions typically require an Internet connection, the NationalUnified USSD Platform(*99# service) allows users to perform transactions without the Internet.

Offline UPI payments UsSD(*99#Service)
The USSD(*99# service)is a mobile banking service that allows you to perform basic banking operations using a simple GSM phone, without requiring internet connectivity. This service works across all GSM mobile devices and can be accessed by dialing *99#
How to register for USSD-based UPI payments
Before you can start making UPI payments offline, you need to register for the USSD service. Here's how:
Dial *99# on your mobile phone. Make sure your phone number is connected to your bank account,
Select your preferred language,
Enter your bank's short name or the first four letters of the IFSC.
Select the account you wish to use for transactions
Set up a 4-digit MPIN(Mobile PIN)
After successful completion of registration, you will receive a confirmation message
Offline UpI payments: Steps to follow
Once registered, follow these steps to make UPI payments without the Internet:
Dial *99# from your registered mobile number.
Select the"Send Money" option from the menu.
Choose the payment method: UPI ID, AccountNumber + IFSC, or Mobile Number.
Enter the recipient's details as per the chosen method.
Enter the amount you wish to transfer.
Enter your MPIN to confirm the transaction.
A confirmation message will be sent to you once the transaction is completed
Offline UpI payment benefits
Accessibility: Works on all GSM phones without
requiring internet.
Convenience: Ideal for rural areas or during network issues.
Security: Transactions are secured with a 4-digit PIN.
Speed: Instant fund transfer, similar to online UPI payments
Security measures while making offline UPI payments
Keep your MPIN confidential
Avoid using public or shared phones for transactions.
Regularly monitor your bank statements for unauthorized transactions.
If you suspect any fraudulent activity, contact your bank immediately.
Offline UPI payments: Frequently asked questions(FAQs)
Is there a fee for using the USsD service?
Yes, there may be nominal charges per transaction, as per your bank's policy.
Can I use the UssD service on any mobile network?
Yes, the service is available on all GSM networks.
What should I do if I forget my MPIN?
You can reset your MPIN by contacting your customer service or using the USSD service
Are there any transaction limits for USSD-based UPI payments?
Yes, the transaction limits are set by NPCI and your bank typically, the limit is Rs 5,000 per transaction
What if the transaction fails but the amount is debited from my account?
The debited amount will usually be reversed within 3 working days. If not, contact your bank for assistance

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