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How to use Unified Payment Interface to send money without internet?

Overview

UPI stands for Unified Payment Interface (UPI). It enables the transfer of money from one bank account to another instantly with the use of a mobile phone. Payments may only be done using the app on a mobile phone.

When it comes to digital payments, India is well ahead of the majority of other nations. UPI is the dark horse that has propelled our country to the top of the rankings. Making a payment over UPI is typically faster and more convenient than getting your wallet out to get cash or seek change. Nonetheless, when compared to other countries, India is trying to catch up in terms of network penetration.

Read also:- Are you using Google pay or PhonePe? Here are a few things to keep in mind while making UPI payments

Consider the following scenario: you’re wandering around a hill station when you come across a tea stall, but you’ve just discovered that you’ve run out of cash. What should you do in this situation? You pull your phone out of your pocket in order to pay using one of the UPI applications. However, there is no internet access available. The cost of your tea may still be covered in a variety of ways. The very minimum of network connectivity might assist you in making the payment without difficulty.

Here are the basic procedures to follow in order to make UPI payments without using the internet.

In order to get started, you must first call the USSD code *99# from your mobile phone. As soon as you do this, a pop-up window will appear with a list of alternatives numbered 1 through 7. You will be asked to choose your option. To transfer money, just click on the correct number and press the send button.

In the following pop-up window, you’ll be prompted to choose your preferred payment method. If you have an acceptable Mobile Number, UPI ID, stored beneficiary, or IFSC, A/C Number, you may transfer money to them. To make a payment using your preferred method, just click on the associated number.

Even if the recipient’s phone number is registered with UPI, things aren’t much simpler. All you have to do is enter the qualifying number and press the transmit button. You’ll be asked to enter the amount and press the Send button once again.

After you’ve entered the amount, you’ll be asked to add a comment, which you may choose to skip if you don’t want to. In order to proceed, you must enter your UPI pin and press the Send button the last time.

In order to make the UPI more inclusive, this way of payment was developed. While smartphone users can make use of well-designed UPI applications, feature phone users are at a loss for what to do. The USSD code is a simple, but very successful, method of making payments through the internet.

Features of the *99# service

The programme supports menu-based apps that are simple to navigate for the users.

Due to the fact that it does not need a data connection (it operates on a signalling channel), it is a high availability service.

Availability at all hours of the day and night (works even on holidays)

Keep in mind that you will be charged a modest cost by your telecom service provider for utilising this service — the price is typically Rs 0.5 per transaction for using the *99# service.

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