Today, UPI payments have become a daily necessity for people. Be it online shopping or buying groceries from the store, digital payments have become very popular everywhere. However, sometimes UPI payments get stuck due to poor network, lack of mobile data, or lack of smartphone. In such situations, people may have to face many types of problems. The good thing is that now you can make UPI payment even without internet and without smartphone. So, let us tell you how you can make UPI payment without internet by just dialing a number on your phone.
How does UPI work without internet?
National Payments Corporation of India (NPCI) has launched a special USSD service named *99#, through which you can perform many tasks related to UPI through mobile network. This service does not require internet; For this you only need to have a network connection on your phone. To avail this facility, users can make UPI payments through *99# USSD service from both keypad phones or smartphones. The only condition is that the mobile number from which you are dialing *99# should be linked to your bank account. You will also have to remember your UPI PIN, because without it no payment can be made.
What to do after dialing *99#?
If your phone does not have internet, go to your phone’s dial pad and dial *99#.
First of all, select your language on the screen.
Then enter your bank name or first 4 digits of your IFSC code.
After selecting your bank, read the instructions shown on the screen carefully.
Then choose the send money option and finally enter your UPI PIN to complete the payment.
This way, you can send money, receive money, check your balance, and do other UPI PIN related tasks.
Keypad is also beneficial for phone users
Even today, many people, especially the elderly or those living in villages, use simple keypad phones instead of smartphones. *99# service is considered very helpful for such users. This service works even in areas with poor network coverage as it only requires a mobile network connection and not an internet connection. According to NPCI, UPI transactions done through *99# are completely secure. Every payment is completed using the UPI PIN, which reduces the risk of fraud.