In this digital age, most of our lives depend heavily on the Internet. This is especially true when transferring money and other online payment methods such as . when it comes to matters google payPaytm, is i, PhonePe and the list goes on. Now, what if you are in the middle of a transaction and suddenly, your internet connection dies. Well there is a solution for this too, so there is no need to panic. All you need is your phone and a pre-registered bank account with some money to counteract the lack of an internet connection and still complete that purchase or transaction.
*99# service was launched in India for all mobile phone users including non-smartphone users National Payments Corporation of India (NPCI) in November 2012. For smartphone users, this *99# acts as an emergency feature that they can use when there is no internet, for feature phone users, it is the only way to do UPI transactions. When it was first launched, the service had limited reach and only two TSPs were offering the service, they were BSNL and MTNL. As the need for digital banking grew over the years, so did the circle of regulatory and business bodies accepting digital banking as a legitimate and necessary resource. As a result, in August 2014, it was taken under the ambit of Pradhan Mantri Jan Dhan Yojana. Later in 2016 itself NCPI launched the UPI system. Having said that, here is how you can easily make UPI payments without an internet connection.
Step-by-Step Process to Make UPI Payments Without Internet
Before doing anything, you need to download the BHIM app and complete the one-time registration process. After this you will be able to do offline UPI transfer. You just need to make sure that you connect the correct SIM card and phone number to your appropriate bank account and you are all set.
Phase 1: Open the dial pad on your phone and type (*99#). This will take you to a new menu with seven options. The menu will list options like ‘Send Money’, ‘Receive Money’, ‘Check Balance’, ‘My Profile’, ‘Pending Request’, ‘Transaction’ and ‘UPI PIN’.
Phase 2: After this you have to select ‘Send Money’ option by pressing number 1 on your dial pad. After this you will be able to send money using just your phone number, UPI ID or your account number and IFSC code.
step 3: Out of the variety of payment methods, you have to choose one, if you choose the phone number option, you have to enter the mobile number of the person to whom you want to send money. If you select the UPI ID option, you will have to enter the UPI ID of the other person. The same applies to the bank account option, where you need to enter the 11-digit IFSC code and then the beneficiary’s bank account number.
step 4: Next, you need to enter the amount you want to transfer to the other person, just like you would have done with Google Pay or Paytm.
Step 5: The last step requires you to input your own UPI PIN number which can be of six or four digits. Then all you have to do is press ‘Send’. Once it is transferred you will receive an update of the transaction status on your phone along with a reference ID. If it was a successful transaction you will be asked if you want to save this person as a beneficiary for future transactions.
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