UPI Payments Without Internet: 1 More Revolutionary Feature

Introduction

UPI Payments Without Internet have transformed how we handle financial transactions, enabling instant money transfers between bank accounts via mobile phones. While UPI traditionally required an internet connection, the Central Bank has introduced a groundbreaking feature called UPI Lite. This new feature allows users to make UPI Payments Without Internet connectivity, making digital payments more accessible. Additionally, UPI can also be used on non-internet-based mobile devices through a dialing option, *99#, known as USSD 2.0. In this article, we will explore how to use UPI without the internet and the benefits of this innovative feature.

Contents

UPI Payments Without Internet

With the recent launch of UPI Lite by the Central Bank, users can now perform transactions without an internet connection. UPI Lite works on both smartphones and basic phones, supporting various transactions such as mobile recharges and offline transfers. Typically, UPI transactions require a UPI PIN, but with UPI Lite, secure transactions can be made without entering the PIN.

What You Need to Use UPI

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To use UPI, you must have:

A bank account with a member bank that supports UPI (e.g., State Bank of India, HDFC Bank, ICICI Bank).
Your mobile number is registered with your bank for verification purposes.

Popular apps offering UPI payments include BHIM (developed by NPCI), Paytm, PhonePe, Google Pay, and Amazon Pay.

Key Services Offered Under *99#

The National Payments Corporation of India (NPCI) provides several key services under the *99# service, including:

Sending and receiving interbank account funds.
Balance inquiry.
Setting or changing UPI PIN.

The *99# service is currently offered by 41 leading banks and all GSM service providers and is available in 12 different languages, including Hindi and English.

Features of *99# Service

Menu-Based Application: Easy to navigate for users.
No Data Connectivity Required: Works on a signaling channel, ensuring high availability.
24/7 Availability: Accessible even on holidays.
Nominal Fee: Telecom service providers charge a small fee, typically Rs 0.5 per transaction, with a maximum set by TRAI at Rs 1.5 per transaction.

How to Register for *99#

Dial *99# from your registered mobile number.
Select your bank account.
Enter the last 6 digits of your debit card number.
Enter the card’s expiry date, then enter and confirm your UPI PIN.

How to Transfer Money Using *99#

Dial *99# from your registered mobile number.
Select “Send Money” by dialing 1 and replying.
Choose the option to send money: 1 for mobile number, 3 for UPI ID, 4 for saved beneficiary. For UPI ID, dial 3.
Enter the amount you wish to transfer and your UPI PIN.
Upon successful transfer, you will receive a confirmation message and an SMS.

Benefits of UPI Payments Without Internet

UPI Payments Without Internet offer numerous benefits:

Accessibility: Enables digital payments in areas with poor or no internet connectivity.
Convenience: Allows transactions on the go without worrying about internet availability.
Security: Ensures secure transactions, even without the need for a UPI PIN.

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Conclusion

The introduction of UPI Lite and the *99# service marks a significant advancement in the accessibility and convenience of digital payments in India. By enabling UPI Payments Without Internet, these features address the challenges users face in areas with poor network coverage. They simplify the transaction process while ensuring security and reliability. As these services become more widely available, they are expected to be crucial in promoting digital financial inclusion across the country.

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