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In today’s digital age, online transactions have become an integral part of our lives. The Unified Payments Interface (UPI) has emerged as a popular payment method in India, allowing users to transfer money securely and conveniently. However, one common concern is the dependency on an internet connection to initiate UPI transactions. But what if you could use UPI without internet? In this article, we will explore the concept of using UPI offline and discuss the innovative technologies that make it possible.

How Does UPI Work?

Before diving into the topic of using UPI without internet, let’s first understand how UPI functions in a regular scenario. The National Payments Corporation of India (NPCI) developed UPI, a real-time payment system. It allows users to link multiple bank accounts to a single mobile application and transfer funds seamlessly.

When you initiate a UPI transaction, the UPI platform acts as an intermediary between your bank and the recipient’s bank. The transaction is facilitated through a unique UPI ID, which can be a combination of your mobile number and a virtual payment address (VPA). The process involves authentication, authorization, and settlement to ensure a secure transfer of funds.

UPI without internet: The need and benefits

The ability to use UPI without internet connectivity addresses the limitations posed by internet availability in certain regions or during network disruptions. It offers several benefits, including:

Accessibility: 

Offline UPI empowers individuals who do not have regular access to the internet to still make digital payments conveniently.

Convenience: 

Users can initiate transactions anytime, anywhere, without relying on internet connectivity, thereby ensuring uninterrupted financial transactions.

Cost-effective: 

Offline UPI eliminates the need for mobile data or internet access, saving users additional expenses associated with internet usage.


How to set up and use UPI without internet (*99# service)

Similar to using UPI through USSD, the *99# service offers an offline channel for UPI transactions. The process involves:

  • First, open your phone’s keypad and type *99# into it. If you call this number, you can use UPI and do other similar things without being online.
  • Then, you’ll be asked to choose which language you want to use. You can choose from any of the 13 choices.
  • Then, you’ll be asked to type in the IFSC code for your bank in the text field.
  • Assuming you’re doing this on a smartphone, you’ll see options for all accounts that are linked to that phone number. Enter “1” or “2” or another option to link the chosen bank account number and set up the payment process.
  • To finish the verification process, you will be asked for the last six numbers and expiration date of your debit card.
  • If all the information you put in is correct, your offline UPI payment tool will be turned on. 
  • After this, all you have to do to pay without the internet is use the USSD order.

Limitations and considerations

While offline UPI offers great convenience, it’s essential to consider its limitations and certain factors:

Network availability: 

Both the sender and the receiver should have access to a network for the transaction to be successfully processed.

Service provider compatibility: 

Ensure that your bank and mobile service provider support offline UPI transactions to avoid compatibility issues.

Transaction limits: 

Some banks impose limits on the amount that can be transacted using offline UPI. It’s important to be aware of these limits before initiating any transaction.

Security measures for offline UPI transactions

To ensure the security of offline UPI transactions, follow these best practices:

  • Keep your mobile device secure by using strong PINs or passwords to prevent unauthorized access.
  • Be cautious while sharing sensitive information like UPI PIN or transaction details with others.
  • Regularly update your UPI-enabled mobile application to benefit from the latest security enhancements.
  • Verify the recipient’s details before initiating any transaction to avoid sending funds to the wrong person.

Conclusion

The ability to use UPI without internet connectivity has bridged the gap for individuals who face limited or no access to the internet. Offline UPI provides convenience, accessibility, and cost savings, enabling seamless digital transactions even during internet disruptions. 

FAQs 

Can I use UPI without an internet connection?

Yes, you can use UPI without an internet connection through methods like USSD-based UPI, offline UPI apps, and the Aadhaar-enabled Payment System (AEPS).

Which banks offer offline UPI services?

Several banks in India offer offline UPI services, including State Bank of India (SBI), HDFC Bank, ICICI Bank, and Axis Bank. However, it’s essential to check with your respective bank for availability.

Can I use offline UPI methods for merchant payments?

Yes, offline UPI methods can be used for both peer-to-peer transactions and merchant payments, provided the merchant has the necessary infrastructure.

Can I use UPI offline on any mobile device?

Offline UPI is supported on most smartphones that have UPI-enabled mobile applications and are compatible with the *99# service.

Is offline UPI available for international transactions?

No, offline UPI is currently limited to domestic transactions within India and cannot be used for international transfers.