How to send money through UPI without internet

How to send money through UPI without internet

Hello friends, today I will tell you how to send money through UPI without internet, before you know how UPI works? And what do you need to use UPI.

How does UPI work?

There are three ways to transfer money through UPI - by entering the receiver's virtual payment address (VPA), account number and IFSC code or QR code.

To use UPI, you must have a bank account with a member bank, ie your bank allows you to use the UPI facility. In addition, your mobile number should be registered with your bank account. A virtual payment address will be created to make the payment.

UPI stands for Unified Payment Interface (UPI). It allows transfer of funds from one bank account to another bank account instantly through one's mobile phone. Payment can only be made through the app on the mobile device. Money transfer through UPI works on 24x7 basis.

What you need to use UPI

To use UPI, you must have a bank account with a member bank, ie your bank allows you to use the UPI facility. Some of the member banks include State Bank of India (SBI), HDFC Bank and ICICI Bank. You can view the list of member banks here.

Once you have checked whether your bank supports UPI payment or not, you need to download the UPI supporting app on your smart phone. Some of the commonly used apps that offer payment through UPI method are BHIM, developed by NPCI, and also some private apps like Paytm, PhonePe, Google Pay, Amazon Pay etc.

Remember, your mobile number should be registered with your bank account for the purpose of verification

How to send money through UPI without internet

You can easily use USSD 2.0 dialing option to send money using UPI without internet.

You can send a lot of money using UPI without internet connection. UPI payments are enabled across platforms including Paytm, Google Pay, Amazon Pay, WhatsApp Pay.

UPI or Unified Payments Interface has become the lifeline of financial transactions in India. UPI enables users to transfer money from one bank account to another bank account within seconds using a smartphone. Most of the e-wallets and payment platforms in India including Paytm, Google Pay, Amazon Pay, WhatsApp Pay and banking applications support UPI payments, which enables their customers to transfer funds quickly and easily. All these services and other such apps use this platform to transfer money from one bank account to another. But this is not the only way to transfer funds using UPI.

How to send money through UPI without internet

National Payments Corporation of India (NPCI) has developed a technology that does not require any mobile application to transfer funds using UPI. The technology called USSD 2.0 enables mobile device users, even those who do not have internet connectivity, to transfer money using UPI. USSD 2.0 uses the dialing option -- *99# -- to provide this facility. While there is no app interface, transactions are possible through an interactive menu displayed on the mobile screen.

The major services offered under *99# service include interbank account to account remittance, balance enquiry, setting or changing UPI PIN, among other services. *99# The service is currently provided by 41 leading banks and all GSM service providers and can be accessed in 12 different languages ​​including Hindi and English.

*99# service Features of

• It uses USSD as the access channel which works in all GSM handsets.
• It supports menu-based applications which is easy for the users.
• It does not require data connectivity.
• It is available round the clock.
• It is accessible through a common code *99# across all GSM operators and mobile handsets.

How to transfer money using UPI without internet connectivity

Step 1: Dial *99# from your registered mobile number.

Step 2: Select your bank account.

Step 3: Now enter the last six digits of your debit card.

Step 4: Now enter the expiry date of your debit card.

Step 5: Now confirm the UPI PIN. Once you have done this, you will be able to use this service on your mobile phone.

Step 6: Dial *99# from your registered mobile number to transfer money.

Step 7: To send money, press 1 button and press send.

Step 8: Now select the option which you want to use for money transfer. You can choose 1 for mobile number, 3 for UPI ID, 4 for saved beneficiary and 5 for IFSC.

Step 9: Now enter the amount you want to send and then type your UPI PIN.

Once the transfer is complete, you will receive a message for its successful completion.