UPI has become an essential part of everyday life in India—from buying groceries to making online purchases. A few taps and a PIN are usually all it takes to complete a digital payment. But what happens when there is no internet connectivity or when you don’t even have a smartphone?
The answer is simple: UPI payments can still be made—without internet and even on basic feature phones—by dialing *99#.
UPI Without Internet or Smartphone
Many people are unaware that UPI works even without mobile data. Using the *99# service, users can send and receive money through their bank accounts using just the mobile network. This facility is especially useful in areas with weak internet connectivity or when data runs out.
Even users with button-based feature phones can make UPI payments through this method.
What You Need to Use *99
To make a UPI payment without internet, a few basic conditions must be met:
- Your phone must have mobile network connectivity
- The mobile number used must be linked to your bank account
- You must have an active UPI PIN
- Internet access and a smartphone are not required
Without a UPI PIN, the transaction cannot be completed.
How to Make a UPI Payment Using *99
Follow these simple steps:
- Open the phone dialer and dial *99#
- Select your preferred language (Hindi, English, or other regional languages)
- Enter your bank name or the first four characters of your IFSC code
- Choose your bank from the list shown
- Follow the on-screen instructions carefully
- Enter your UPI PIN to confirm the payment
Once the PIN is entered, the payment is processed instantly.
Safe, Simple, and Reliable
The *99# service is fully secure and operates through the USSD (Unstructured Supplementary Service Data) channel. It ensures that users can continue making digital payments even in challenging network conditions.
In short, no internet, no smartphone—no problem. With *99#, UPI payments remain accessible to everyone, everywhere.
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