Offline UPI Payment: How To Make UPI Without Internet?

Offline UPI transactions are a game-changer for anyone in areas with spotty or no internet connection. With the simple *99# code, you can handle your mobile banking tasks without relying on data. Whether you're transferring money, checking your account balance, requesting funds, or even updating your UPI PIN, this service ensures you're never cut off from your finances, no matter where you are. It’s a smart, hassle-free way to manage your money on the go, even when the network isn't cooperating.

What is the Offline UPI Payment?

Offline UPI payments are a way to make UPI transactions without an internet connection. The offline UPI payment number, accessed by dialling *99#, lets you use UPI services without needing an internet connection. This service is available across India, with support from more than 80 major banks and around four telecom companies. It also offers the option to choose from 13 languages, including Hindi and English, making it accessible for a wide range of users.

*99# service was introduced by the National Payments Corporation of India (NPCI) to enable UPI transactions across multiple banks in the country. To use it, simply dial *99# from your registered mobile number, and follow the on-screen menu to complete your transaction.

The maximum transaction limit for this number is Rs. 5,000, and a small fee of Rs. 0.50 is charged for each transaction. This makes it a convenient option for people who don’t have access to the internet but still want to send or receive money using UPI.

Features of UPI Without Internet (*99# Service)

Here are the main features of the *99# service:

• It offers a simple, menu-based interface that’s easy for users to navigate, even for those who aren’t tech-savvy.
• The service is available around the clock, so you can access it anytime, even on holidays.
• You can use it with a common code, *99#, across most GSM network providers and mobile devices.
• The service also supports an extra feature for accessing the BHIM app, making digital payments more accessible.

How to Set Up Offline UPI Payments?

To set up offline UPI payments, follow these simple steps:

1. Open your phone’s dialler and dial *99# to begin the setup process for offline UPI transactions.
2. You’ll be prompted to choose a language. Pick the one that’s most comfortable for you from the list of available options.
3. Next, you’ll need to enter the IFSC code of your bank. This code helps identify your specific bank branch.
4. After entering the IFSC code, a list will appear showing all the bank accounts linked to your mobile number. Select the account you wish to use by entering the corresponding number (for example, 1, 2, etc.).
5. To verify your identity, you’ll be asked to provide the last six digits and the expiry date of your debit card.
6. Once all your details are correctly entered, the offline UPI feature will be activated, and you can start making payments even without an internet connection.

This setup lets you carry out UPI transactions in places where you might not have internet access. Just remember to double-check the details you enter to ensure everything works smoothly.

How to Use UPI Without Internet?

To make Offline UPI payments, follow these steps:

1. Open the dialler on your phone and dial *99#.
2. Once the options appear on your screen, select option "1", which is for sending money.
3. Now, you’ll need to enter the UPI ID of the person or account you're paying. You can also use your registered phone number or bank account number, as long as they are linked to UPI.
4. Next, enter the amount you'd like to transfer. Make sure it’s under Rs. 5000, then confirm the amount when prompted.
5. You’ll then be asked to enter your UPI PIN to authorise the transaction. Once you enter the correct PIN, your payment will be processed.

Make Simple & Secure UPI Payment with FREO UPI

Freo UPI provides a fast and safe way to send money and make payments without any added fees. Whether you're paying bills, transferring money to someone, or shopping online, everything can be done directly from your phone, anytime and anywhere. With top-notch security measures, Freo ensures that your transactions are safe and straightforward. So, enjoy a smooth payment experience with Freo UPI and take the stress out of managing your finances.

Frequently Asked Questions (FAQs)

1. Who launched offline UPI?

   Offline UPI was introduced by the NPCI (National Payments Corporation of India), which is responsible for managing retail payments and settlements in India.

2. How can I use UPI without an internet connection?

   You can use UPI without the internet through the *99# service. This allows you to complete transactions using basic mobile features, even in areas with no internet access.

3. How do I make an offline UPI payment?

   To make an offline UPI payment, just dial *99# on your phone. Follow the prompts to choose your payment method, and enter the recipient’s details like their UPI ID, phone number, or bank account number. You’ll then need to enter your UPI PIN and the payment amount to complete the transaction.

4. Can I use UPI if I don’t have a smartphone?

   Yes, UPI can be used without a smartphone. As long as your phone supports basic USSD codes, you can make payments using *99#.

5. Can I use the BHIM app without an internet connection?

   No, BHIM (Bharat Interface for Money) requires a stable internet connection to process payments, so it cannot be used offline.

6. Is offline UPI safe to use?

   Yes, offline UPI is safe. Despite working without the internet, it still uses secure methods to protect your information, ensuring that your financial transactions are safe.

7. How do I transfer money offline from my bank?

   To make an offline bank transfer, you can use options like NEFT (National Electronic Fund Transfer), RTGS (Real Time Gross Settlement) or simply dial *99# for the USSD-based service.

8. What are the benefits of using offline UPI payments?

   Offline UPI payments are especially useful in areas where internet connectivity is poor or unavailable. They allow businesses and individuals in remote areas to make digital payments without needing a stable internet connection, offering greater flexibility.

9. What security measures are in place for offline UPI payments?

   Offline UPI payments use encryption, secure authentication methods, and transaction verification to protect your financial details. Even though no internet is involved, these security features ensure that your data remains safe throughout the transaction process.

10. Can I check my offline UPI transaction history?

    Yes, you can view your offline UPI transaction history by dialling *99# on your phone. This will let you access details such as the transaction amount, date, and recipient’s information, helping you track your financial activity.

11. Are there limits for offline UPI payments?

    Yes, there are limits. The maximum amount per transaction for USSD-based payments is usually Rs. 5,000. However, this can vary depending on your bank’s rules, so it’s a good idea to check with your bank for specific limits.

12. Can I use offline UPI for all types of payments?

    Offline UPI can be used for various types of transactions, including sending money, paying bills, and making payments to merchants. It offers a convenient option for making payments without needing a constant internet connection.

13. What is the transaction limit for offline UPI?

    The transaction limit for offline UPI is Rs. 5,000 per payment. Additionally, each transaction incurs a nominal charge of Rs. 0.50. Always check with your bank for any updates on limits or charges.