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This tip is about the how to make payments without internet. So read this free guide, How to make payments without internet step by step. If you have query related to same article you may contact us.

How to make payments without internet – Guide

The common assumption is that you need a stable internet connection to make digital transactions like UPI or Wallet payments. But what if we told you that you can do these transactions without internet and a smartphone via Paytm, Google Pay, BharatPe, Amazon Pay, PhonePe, Airtel Payments Bank and others. Yes, you can make multi-platform UPI payments on a smartphone without using the Internet.

First, you need to dial *99#’, also known as the USSD service. The USSD service was launched in India by the National Payments Corporation of India (NPCI) in November 2021, prior to the launch of the UPI network, for all mobile users, including users who do not use smartphones. However, the “*99#” service initially had limited coverage, and only two telecommunications service providers (TSPs), BSNL and MTNL, offered the service.

However, in August 2016, NPCI integrated the two digital payment methods (UPI and *99#) and allowed users to send and receive money using a UPI ID or payment address.

How to make payments without internet

You first register on the BHIM app to create a UPI account and do one-time registration.

Enter your correct phone number linked to a bank account.

Open the dial pad on your mobile phone and type ‘*99#’. This will redirect you to a new menu consisting of seven options such as ‘My Profile’, ‘Send Money’, ‘Receive Money’, ‘Pending Requests’, ‘Check Balance’, ‘UPI PIN’ and ‘Transactions’.

Then select the ‘Send Money’ option by pressing the number 1 in the dial pad text field. This will allow you to send money using your bank account number, UPI ID and IFSC code or phone number. Choose your preferred option.

In case you select UPI, you will need to enter the UPI ID of the beneficiary, whereas if you choose the phone number option, you will have to enter the mobile number of the person you are sending the money to. If you select the bank account option, you will need to enter the 11-digit IFSC code and the recipient’s bank account number.

You will then need to enter the amount you want to transfer to the other person, similar to any other digital transaction platform such as Google Pay or Paytm.

In the last step, enter your UPI PIN number. Select ‘submit’ to complete the transaction. Once the money is transferred, you will receive a confirmation on your phone along with a reference ID. You will then be prompted to save the recipient as a beneficiary for future transactions. Using the service will cost a scant fee of Rs 0.50.

Final note

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