Navigating the World of Offline UPI Payments: A Step-by-Step Guide


In today’s fast-paced digital era, Unified Payments Interface (UPI) has revolutionized the way we transact. But what happens when you’re caught without an internet connection? Fortunately, UPI payments aren’t just limited to online methods. In this blog post, we’ll guide you through the surprisingly simple process of making UPI payments without the internet.

Understanding Offline UPI Payments

Offline UPI payments are a boon, especially in areas with unstable internet connectivity or for those who prefer not to use mobile data for financial transactions. This service is typically available across major banks in India and involves using simple USSD (Unstructured Supplementary Service Data) codes.

Step-by-Step Guide to Make Offline UPI Payments:

  1. Dial the USSD Code: To initiate an offline UPI payment, dial *99# from your mobile phone. This service works on all types of mobile devices and doesn’t require a smartphone or data connection.

  2. Select Your Bank: After dialing *99#, you’ll be prompted to select your bank. Choose the bank linked to your UPI account.

  3. Access Your Account: Post selecting your bank, you’ll receive a menu with various options, including fund transfer, balance check, and transaction history.

  4. Initiate a Transaction: To send money, select the Send Money option. You’ll need to provide the recipient’s phone number linked to their UPI ID, or you can input their UPI ID directly.

  5. Enter Amount and UPI PIN: Once you’ve entered the recipient’s details, key in the amount you wish to transfer. Following this, you’ll be prompted to enter your UPI PIN, which is crucial for completing the transaction securely.

  6. Confirmation and Receipt: After entering your UPI PIN, the transaction will be processed. You’ll receive a confirmation message on your screen along with a transaction ID for reference.

Benefits of Offline UPI Payments

  • Accessibility: Enables transactions without the need for an internet connection.
  • Widely Accepted: Most banks support USSD-based transactions.
  • Secure: Requires a UPI PIN for each transaction, ensuring security.
  • Convenient: Can be used anytime and anywhere, especially in areas with poor internet connectivity.


Making UPI payments without the internet is not only feasible but also straightforward and secure. This facility immensely benefits those residing in remote areas or with limited access to the internet. Embrace the ease of offline UPI transactions and enjoy uninterrupted digital payments, regardless of your internet connectivity.

Tags: #UPI #OfflinePayments #DigitalIndia #FinancialInclusion #USSDPayments #MobileBanking

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