UPI payment can be made even without internet connection in a facility provided by NPCI. Under this facility, users can avail offline banking services by dialing the official USSD code.

We all have faced a situation at some point or the other when the internet connection fails and we have to make payment immediately. With the increasing use of UPI (Unified Payments Interface), we have become very dependent on online transactions, and in such a situation, a slight problem can make us uncomfortable or trouble us in an emergency. Usually UPI transactions require internet, but do you know that UPI payment can be made even without internet? For this, you just have to dial the official USSD code from your mobile phone, so that you can easily make offline transactions.

The *99# service launched by the National Payments Corporation of India (NPCI) allows you to avail banking services even without an internet connection. Through this service, you can check bank balance, do interbank fund transfer and set or change UPI PIN. If you do not have internet and you have to make UPI payment, then how to use *99# USSD code, let's know its complete process.

How to make UPI payment without internet?

• Dial *99# from the registered mobile number linked to your bank account.
• After this, choose your preferred language from the options appearing on the screen.
• Then choose one of the banking facilities, such as transfer money, check balance or view transactions.
• If you want to transfer money, type '1' and press Send.
• Then select the method of transfer - choose one of the mobile number, UPI ID, saved contact or other options and send.
• On selecting the mobile number option, enter the recipient's number.
• Enter the payment amount and after that enter your UPI PIN and complete the transaction.