Offline UPI (*99#)

byPaytm Editorial TeamLast Updated: July 11, 2025

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

Author

Paytm Editorial Team

The Paytm Editorial Team is a collaborative group of writers, editors, and industry experts. We're dedicated to bringing you the latest insights, news, and guides on digital payments, financial services, and the technology that's shaping India's economy. We offer easy-to-follow guides and insights to help you explore Paytm’s products, features, and services. Our goal is to provide clear, reliable, and helpful information to empower you on your financial journey.