Udaipur, March 27, 2025 - The Unified Payments Interface (UPI) has transformed the way we transfer money, offering a seamless and instant payment experience. However, internet connectivity issues can sometimes disrupt these transactions. Fortunately, UPI payments can still be made offline, ensuring uninterrupted access to digital payments even without an internet connection. This guide provides a step-by-step approach to making UPI transactions offline, helping you stay financially connected anytime, anywhere.

Make UPI Payments Without Internet

The *99# USSD (Unstructured Supplementary Service Data) allows users to make UPI payments without internet. This mobile banking service works on smartphones and all GSM phones and helps users perform transactions easily. This tpe pf payment is ideal for rural areas and network issues. It is protected with a 4-digit MPIN and can send money immediately, just like online UPI. 

How to Register for USSD-Based UPI Payments?

• Dial *99# from your registered mobile number.

• Select your preferred language.

• Enter your bank's short name or the first four letters of the IFSC code.

• Choose the account for transactions.

• Set up a 4-digit MPIN (Mobile PIN).

A confirmation message will be sent after successful registration.

Steps to Make Offline UPI Payments

• Dial *99# from your registered mobile number.

• Select the "Send Money" option.

• Choose a payment method: UPI ID, Account + IFSC, or Mobile Number.

• Enter the recipient’s details.

• Enter the amount to transfer.

• Confirm the transaction by entering your MPIN.

• You will receive a confirmation message once the transaction is successful.

Security Measures for Safe Transactions

• Keep your MPIN secret.

• Avoid using shared or public phones for transactions.

• Regularly check your bank statements for any unauthorized transactions.

• Report any suspicious activity to your bank immediately.

This service makes UPI payments easier, even without an internet connection.