Understanding UPI: A Quick Look
What is UPI and why is it so handy?
Unified Payments Interface, commonly known as UPI, is a revolutionary digital payment system in India. It allows you to transfer money instantly between bank accounts using your smartphone. With UPI, you can make payments for various services, pay bills, and even send money to friends and family, all with just a few taps on your device.
One of the best things about UPI is its convenience. It combines several banking features into one platform, making it easier for you to manage your finances. You can pay for groceries, book tickets, or even donate to charities—all at your fingertips.
The usual need for internet to use UPI
Typically, using UPI requires an internet connection. Most people use it through mobile applications that need data or Wi-Fi to operate. While this is convenient for many, it can pose a challenge in areas with poor connectivity or for individuals who do not have access to the internet. Fortunately, there is a solution that allows you to make UPI payments even when you are offline.
Your Solution for Offline Payments: The *99# Service
Discovering the *99# USSD method
The *99# service is a unique method that enables you to perform UPI transactions without needing an internet connection. This service uses USSD (Unstructured Supplementary Service Data), which is a technology that allows you to send and receive information over your mobile network.
You can access various banking services using simple codes, making it an excellent alternative for those who may not have a smartphone or reliable internet access. This service is especially beneficial for rural areas, ensuring that everyone can participate in the digital economy.
How *99# lets you send money without any internet data
By using the *99# service, you can send money, check your account balance, and even change your UPI PIN—all without needing any data. This means you can make transactions on the go, even in places where internet access is limited. It’s a straightforward, user-friendly option for individuals looking to manage their finances effectively.
A Simple Guide to Using *99# for Payments
Getting Started: Just Dial *99#
To begin using the *99# service, simply dial *99# on your mobile phone. You do not need to download any app or have a smartphone. This method works on basic mobile phones as well.
Choosing What You Want to Do (like sending money or checking balance)
Once you dial *99#, you will receive a menu with several options. You can choose from sending money, checking your balance, or accessing other banking services. Just follow the prompts on your screen to navigate through the options.
Entering Who You’re Paying and How Much
After selecting the option to send money, you will need to enter the mobile number or UPI ID of the person you wish to pay. Next, you will also input the amount of money you want to send. Make sure to double-check these details to avoid any errors.
Confirming Your Payment with Your Secret UPI PIN
To complete the transaction, you will need to enter your UPI PIN. This is a secure code that you set up when you first registered for UPI services. It helps ensure that your transactions are safe and that only you can authorise them.
More Handy Things You Can Do with *99#
Sending Money to Friends and Family
With the *99# service, sending money to friends and family is quick and easy. Whether it’s for splitting a bill or gifting money for a special occasion, you can do it without needing an app or internet access.
Quickly Checking Your Bank Account Balance
You can also check your bank account balance using the *99# service. This feature is helpful for keeping track of your finances and ensuring you have enough funds for your transactions.
Changing or Resetting Your UPI PIN
If you ever forget your UPI PIN or wish to change it for security reasons, you can do this through the *99# service. This ensures that you can maintain control over your transactions and keep your account secure.
Other useful services at your fingertips
Beyond sending money and checking balances, the *99# service offers a range of other banking functions. You can pay bills, recharge your mobile, and access various banking services without needing the internet.
Keeping Your Offline Payments Safe and Sound
Always Keep Your UPI PIN Private
Your UPI PIN is your personal security code, and it is crucial to keep it confidential. Never share your PIN with anyone, as this could lead to unauthorised transactions.
Double-Checking Payment Details Before Sending
Before you confirm any payment, always double-check the recipient’s details and the amount. This simple step can help you avoid costly mistakes.
Understanding How Much You Can Send
Be aware of the limits imposed on UPI transactions. Each bank may have different limits on the amount you can send or receive in a day. Familiarise yourself with these limits to manage your transactions effectively.
What to do if something goes wrong
If you encounter any issues while using the *99# service, such as a failed transaction, contact your bank’s customer service immediately. They can help resolve any problems and ensure your funds are safe.
Making Digital Payments Accessible to Everyone
The introduction of services like *99# is a significant step towards making digital payments accessible to everyone, regardless of their internet access. It empowers individuals in rural and urban areas alike to participate in the digital economy. As you embrace these technologies, you contribute to a more inclusive financial future for all.
Author
