Did you know that UPI payments can be made even without an internet connection? The National Payments Corporation of India (NPCI) provides a facility that allows users to access banking services offline using a simple USSD code. This can be useful in emergencies or areas with poor network connectivity.
What is the *99# Service?
The *99# service was launched by NPCI to enable offline banking transactions. It allows users to check their bank balance, transfer funds, and set or change their UPI PIN—all without internet access.
Steps to Make a UPI Payment Without Internet
- Dial *99# from your mobile number registered with your bank.
- Select your preferred language from the options displayed.
- Choose the desired banking service, such as money transfer, balance check, or transaction history.
- To send money, enter the number corresponding to the transfer option.
- Select the transfer method—mobile number, UPI ID, saved contact, or another available option.
- If using the mobile number option, enter the recipient’s phone number.
- Enter the payment amount and confirm the transaction by entering your UPI PIN.
Why Use *99# for UPI Payments?
- Works without an internet connection.
- Available on all mobile devices, including basic feature phones.
- Provides access to essential banking services anytime, anywhere.
The *99# service ensures that you can continue making payments even when internet access is unavailable, making digital transactions more accessible and convenient.