How to Make Offline UPI Payment

UPI Payments have become an important part of daily transactions in the digital era. They continue to provide a robust solution to bridge and balance the digital world, making digital payments accessible to everyone with an Internet connection. Imagine a situation where you can’t access the Internet or your network connection is poor. You might find it difficult to process the payment through UPI during these times. But that doesn’t mean that you can’t make any offline UPI Payment. You have heard it right! The NPCI board initiates offline transactions through UPI in India. As a result, users can continue to perform necessary financial transactions (UPI Payment) seamlessly even without an internet connection. If you are unsure how to do it, go through this guide and learn the steps in detail.

An Overview of Offline UPI Payment

An Offline UPI Payment is a method that allows users to make transactions without requiring an internet connection. This process can be made possible using the USSD code “*99#“. Moreover, this service collaborates with 83 leading financial banks and four telecom service providers nationwide. This transaction process is available in 13 languages and was initiated by the National Payments Corporation of India (NPCI) across multiple banks.

How to Setup Offline UPI Payment

Below is the step-by-step guide to the setup process for offline UPI payments.

Get your smartphone and open the dial pad. Enter the USSD code *99# and call this number using your bank’s registered mobile number to start the offline UPI payment process.
Now, you can see the USSD code running option on your smartphone screen and will get a message stating, “Welcome to *99#“. So, click the OK option to get to the next screen.

Click the OK option to make offline UPI payment without internet

Next, your phone’s screen will display a list of languages. From that, select your preferred language and enter the apt code in the prompted field using your phone’s number pad.

Further, input your Bank name or the first four letters of your bank’s IFSC code and click the Send button.

On the next screen, you will get the list of accounts registered with your mobile number. From that, choose the desired bank account and link it to set up the payment process.
To verify your identity, you need to input the last six digits of your debit card and the expiry date in the required space.
Finally, the offline UPI payment setup process will be activated if the entered details are correct and valid.

Steps to Make Offline UPI Payments

Now, it’s time to begin the offline UPI transaction on your smartphone using the step-by-step procedure discussed below.

Open the dial pad on the phone and enter the USSD code *99# using the numerical keypad.
Then, initiate the call with your bank’s registered mobile number to proceed with the offline UPI payment.
Now, your registered bank name will appear at the top, and you will need to choose the transaction type from the menu.

Select the transaction type to make UPI payment without internet

From the next screen, select the mode in which you want to transfer the money and enter the chosen option’s code in the required field.

Further, you will get a prompt on your phone screen to enter the necessary details. For example, if you have selected the mobile number as your transfer method, then you need to input the valid number of the receiver in the given space.
As a next step, enter the amount of money you want to transfer and double-check it before you enter the password.
Then, type your UPI PIN and complete the payment process.

Tip! If you wish to disable the offline UPI payment process, re-dial *99# and follow the above procedures to implement the process,

Advantages of Using Offline UPI Payments

Offline UPI payments are more secure and protect user’s data and funds.
Offline UPI payments are accessible to everyone, especially those who are residing in poor network coverage areas.
The NFC technology quickly processes offline UPI transactions.
Offline UPI payments can be processed anytime, including holidays, focusing mainly on the user’s convenience.
This process is easy to use, and even aged persons can use it easily.
The offline transactions are trackable, and there is a history of them for later viewing.
The offline UPI payments are available in almost 13 languages.