How to make UPI payment without internet

Making UPI payment without internet access is simpler than you might think. With just a few steps, you can leverage the power of UPI even when you’re offline. This guide demystifies the process of offline UPI payments, providing a clear and concise walkthrough for users of all levels of technical expertise.

Read on to know how easy it is to stay connected to the digital economy, regardless of internet availability.

Setting up for offline UPI payments

Before you can make UPI payments without the internet, you need to ensure you have the necessary features enabled and set up on your phone. The process differs slightly depending on whether you’re using a smartphone or a feature phone.

For Smartphone Users (UPI 123Pay):

– Check for UPI 123Pay support: Ensure your bank and UPI app support UPI 123Pay. Most major banks and UPI apps in India now offer this functionality.

– Link your mobile number to your bank account: This is crucial, as offline UPI payments rely on your registered mobile number. Contact your bank to link your number if you haven’t already.

– Set your UPI PIN: You’ll need your UPI PIN to authorise offline transactions. If you haven’t set one, do so through your UPI app.

ALSO READ: How to create and reset a UPI PIN

For Feature Phone Users (*#99# service):

– Link your mobile number to your bank account: This is essential for using UPI on your feature phone. Contact your bank to link your number if you haven’t already.

– *Dial #99#: This USSD code is the gateway to UPI services on your feature phone.

– Follow the on-screen prompts: You’ll be guided through a menu to set up your UPI PIN and link your bank account.

– Set your UPI PIN: You’ll need your UPI PIN to authorise transactions.

Making an offline UPI payment

Once you have everything set up, making an offline UPI payment is a straightforward process. Here’s how:

– Dial the IVR number: Dial the designated IVR number for UPI offline payments. This number may vary depending on your bank or UPI app, so check with your provider for the correct number.

– Follow the voice prompts: The IVR system will guide you through the payment process. You’ll typically be asked to select your preferred language, choose the payment option (e.g., pay to mobile number, pay to UPI ID), and enter the recipient’s details.   

– Enter the payment amount: Use your phone’s keypad to enter the amount you wish to transfer.

– Enter your UPI PIN: To authorise the transaction, enter your UPI PIN when prompted.   

– Confirm the payment: Once you’ve entered all the necessary details, the IVR system will confirm the payment details. Listen carefully and confirm the transaction.   

– Receive confirmation: You’ll receive an SMS confirmation once the payment is successful.  

Alternative methods for offline UPI payments

Besides the IVR method, there are other ways to make UPI payment without internet:

– Using app functionality: Some UPI apps have built-in features for offline payments. These apps may use methods like sound waves or proximity communication to complete transactions. Check your UPI app for any offline payment options.   

– Using SMS: You can also initiate UPI payments through SMS. This involves sending an SMS to a designated number with specific keywords and payment details. Again, check with your bank or UPI app for the correct format and number.

ALSO READ: Safer internet day: 5 online payment safety tips to always keep in mind

UPI without internet access provides a valuable solution for individuals in areas with limited connectivity or during network disruptions.

By following the steps outlined in this guide, you can confidently make offline UPI payments and stay connected to the digital economy, regardless of your internet availability.