Introduction
Offline UPI allows users to make digital payments without internet using the *99# USSD code on any mobile phone.
Definition
The meaning of Offline UPI is using USSD technology to access UPI services via dial code. It is especially useful in rural areas or for feature phone users.
How It Works
Users dial *99# from their registered mobile number and follow prompts to check balances, transfer money, or receive funds using UPI — all without internet access.
Benefits
- Works on basic phones
- No need for internet or smartphone
- Ideal for underserved regions
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