*99# Offline UPI Payments
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NPCI is once again shaping the Online Banking facility, UPI transactions already spiked over the past few months, In August 2021, UPI registered 3.55 billion transactions and this time NPCI makes it easier to Send and Receive UPI Payments without the need for an active Internet Connection,

As of August 2021, 249 Banks are Offering UPI Payments and the UPI system expanding internationally to Singapore, Malaysia, Thailand, Philippines, Vietnam, Cambodia, Hong Kong, Taiwan, South Korea, and Japan from 2022

Offline UPI Payments in India

Recently govt launched E-Rupi a new digital payments system that promises leak proof of digital payments of Welfare Scheme where it Processes Voucher based Payments, In This Post, we will be discussing How you can use the UPI Payments Offline, Its Features, Benefits, and the security issues

*99# a USSD Service was first launched in 2012, where Internet Banking was not so popular in India, and there were a few Banks Supported at that time, the reach was limited to some Telecom Operators, thus the initial attempt was a failure, later they re-emerged this USSD system with the UPI Payments in 2016

In August 2016, NPCI launched the UPI System which makes it easier to transfer money between users from one Bank to another, the increase of internet users gives a boost to the UPI transactions,  where 249 Banks supports UPI and there are 19 third party apps Offers UPI Services

The Services Offered by *99#

As Per Official NPCI Statement, A Bank Account must be connected to their Phone Number, to avail of the services a user has to dial the USSD code *99# from his mobile then Choose The bank Account and create UPI and PIN (If not created)

Currently, this USSD Service offers Financial, Non-Financial Services and Value Added Services


Financial Services

  • Sending Money using Mobile No
  • Sending Money using UPI ID
  • Sending Money using Aadhaar No.
  • Sending Money using Account No. + IFSC
  • Requesting Money using UPI ID / Mobile No.


Non-Financial Services

  • Account Balance
  • Set UPI PIN
  • Change UPI PIN
  • Last 5 transactions


Value-Added Services

  • Aadhaar linking Status
  • PMJDY A/C Overdraft Status


Benefits of USSD UPI Services

This step might be taken to support more UPI users who don’t have an internet connection or to the persons who don’t own an Internet-connected smartphone, this *99# is easier to remember and boast of an easy user interface and can be accessed in 12 different languages including Hindi & English. This will be beneficial to many remote locations where the Network Connectivity is too bad to use the Internet, and the cases when govt have to block internet connectivity due to any reason, in that situations this USSD service may be helpful,


Security Issues and Performance

When It comes to the trustworthiness of this Service People may doubt of their transition status, while processing their Payment if any connection error occurs due to any SMS or Phone Call then the Application Should Respond to the ongoing transactions, for that reason NCPI also launch this Service via SMS based service, so that the end-user can easily keep track of past transactions and even if there was a lack of Operator Network Signals then the user should able to track the process and payment will be fail safe


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