How to pay using UPI without an Internet Connection?

Unified Payments Interface or UPI has revolutionized the payment method not only in India but also in other countries around the world. Have you ever been in the process of sending funds online using Google Pay, Paytm, PhonePe, or another UPI payment provider when your Internet connection goes down for whatever reason? If so, then *99#, a mobile banking solution based on USSD (Unstructured Supplementary Service Data), can be quite beneficial. It allows you to request and transfer money, change your UPI PIN, and even check your account balance without the need for an internet connection.

Keep reading till the end to know how to pay using UPI even without an internet connection.

The *99# service makes banking services available to everyone in the country. It is provided by 83 major banks and four telecom service providers and is available in 13 languages, including Hindi and English. Here’s how to set it up and start making offline UPI payments.

How to set up offline UPI payments?

On your smartphone or feature phone, enter *99#. However, you must use the same phone number that has been connected to your bank account in order for this feature to work. Then, select your preferred language and enter your bank’s name. You will be presented with a selection of bank accounts associated with your phone number; select the one you wish to use by selecting the appropriate option.

Enter the last six digits of your debit card, as well as the expiration date. After successfully configuring it, you can make UPI payments without internet access. Now let’s check out how to pay offline using UPI.

How to pay offline using UPI?

To send money, dial *99# on your phone and enter 1. Select your preferred choice and enter the UPI ID/phone number/bank account number of the individual to whom you wish to send money. Then enter the money as well as your UPI PIN. Your payment will be processed successfully, and the transaction charge will be a maximum of Rs. 0.50 per transaction for using the *99# service.

Note: The current transaction limit for this service is Rs. 5,000.


While the internet connection isn’t stable and usable everywhere we go, the UPI offline payment method ensures that we can make payments anywhere to anyone.