Payment Options / Google Pay Phone Pay UPI Transactions

Payment Options / Google Pay Phone Pay UPI Transactions are essential in these days Is your internet down because you’re in the midst of a UPI transaction? Not to be concerned. With or without the Internet, you may still make your payment. These service applications make use of this feature. You must link your phone to a pre-registered bank account with some money in it to compensate for not having access to the internet when making payments on Google Pay, Paytm, UPI, and PhonePe.

Almost all of our day-to-day transactions are made via Payment Options / Google Pay Phone Pay UPI Transactions, and the like. However, to use any of these programs, you’ll need access to the internet.

Nevertheless, what if we told you that there is another option? Yes, you may make UPI payments without an internet connection since an offline mode is available!

Continue reading to learn how to do business without access to the internet.

To make UPI transactions while offline, you must first download the BHIM app and go through the one-time registration procedure.

Most of our daily activities are now digitized and highly reliant on the internet in this day and age. It is particularly true when it comes to online payment options like Google Pay, Paytm, UPI, PhonePe, etc. If you’re in the midst of a transaction and your internet connection goes down, what happens? There is, however, a solution to this problem, so do not be alarmed. If you don’t have access to the internet, all you need is your phone and a pre-registered bank account with money in it to complete the purchase or transaction.

India’s National Payments Corporation of India (NPCI) launched the *99# service for all mobile phone customers in November 2012, including non-Smartphone users. *99# serves as an emergency function for Smartphone users who don’t have internet access, while for feature phone users, it is the only way to make UPI transactions possible. Initially introduced, the service was only available from two TSPS: BSNL and MTNL. Many regulatory and trade organizations began to recognize digital banking as a vital resource as its demand increased. In August of 2014, implemented the Pradhan Mantri Jan DhanYojna program. The NCPI did not deploy the UPI system until later in 2016. Following on from the last point, here’s how to send UPI payments without a network connection.

You must first download the app and then register once to use BHIM.

Then you’ll be able to use UPI to send money while you’re not connected to the internet.

All you have to do is make sure your phone is linked to the correct bank account and SIM card.

UPI without the internet: A Step-by-Step Guide

You must first download the BHIM app and finish the one-time registration procedure before you can do anything else. After that, you’ll be able to make UPI transfers when offline. Ensure that your phone number and SIM card are linked to the correct bank account, and you’re good to go.

Unified Payments Interface (UPI) users may now make payments using their phones even when not online. However, this is only possible if their bank accounts and phone numbers are connected. Offline transactions will need the use of a unique code: *99#

Here’s how to make UPI payments in offline mode, step by step:

Step 1: Use your phone’s dial pad to enter (*99#). I will take to a new menu with seven choices. In the menus, you’ll see options like “Send Money,” “Receive Money,” “Check Balance,” and “My Profile.”

Step 2: Press the number 1 on your dial pad to choose the ‘Send Money’ option. After that, you’ll be able to transfer money using only your phone number, UPI ID, or account number, and IFSC code, depending on your bank.

Step 3: Select a payment method from the available options. If you select the phone number option, you will be prompted to input the recipient’s cell phone number. The UPI ID option necessitates the information of the recipient’s UPI ID. The same is true for the bank account option, where you must first enter the beneficiary’s 11-digit IFSC code and then their bank account number to complete the transaction.

Step 4: After entering your recipient’s information, you’ll be asked for a recipient’s name and the amount you want to send.

Step 5: The last step necessitates the entry of your personal six- or four-digit UPI PIN. To send the message, click the “send” button. On receiving the transaction status update on your phone, you’ll also get a reference ID and a status update after it has been transmitted. You might be prompted to save this individual for future transactions if the transaction was successful.


That was all done without the need for an internet connection! Using the same code – *99# – will disable UPI. Which way do you lean in terms of this new offline UPI transaction mode?

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