UPI Payment :
Unified Payments Interface is a system that powers multiple bank accounts into a single mobile application (of any participating bank), merging several banking features, seamless fund routing & merchant payments into one hood.
Has this ever happened to you that you are in the middle of sending money online using Google Pay, Paytm, PhonePe, or any other UPI payment service, and your Internet connection stops working for some reason? If yes, then *99#, a USSD based mobile banking service, can be really helpful to you. It lets you request and sends money, change your UPI PIN, and even check your account balance without a net connection
The *99# service brings banking services to everyone across the country. Here’s how you can set it up and make offline UPI payments
Step by step
Set up offline UPI payments
Dial *99# on your smartphone or feature phone. But, make sure you are using the same phone number to make this call that has been linked to your bank account otherwise this service won’t work.
Then, choose your desired language and enter your bank name.
You will be shown a list of bank accounts that are linked to your number, so choose the one that you want to use by pressing the correct option.
Now, enter the last 6 digits of your debit card alongside the expiry date.
Once you have successfully set it up, you can make UPI payments without an Internet connection, as explained in the next steps.
Make offline UPI payments
Dial *99# on your phone and enter 1 to send money.
Choose your desired option and enter the UPI ID/ phone number/ bank account number of the person you want to send money to.
Then, enter the amount and your UPI PIN.
Once done, your payment will be successfully made, and you will be charged a maximum of Rs. 0.50 per transaction for using the *99# service.