UPI payment without Internet and Application? says by jio

Sending Money Without Internet: A Complete Guide

Did you know you can transfer money without an internet connection? By using the USSD (*99#) service, you can access banking services through the Unified Payments Interface (UPI) on any mobile phone with a SIM card. This technology eliminates the need for bulky apps and internet access, making it a convenient solution for many. Here's a detailed guide on how to use it:

How can I send money without Internet and Application?

Step-by-Step Guide to Send Money Without Internet

1. Dial *99#

UPI payment without Internet and Application? says by jio

- Open your phone’s dial pad and type *99#.

- Press the call button and wait for a few seconds.

2. Choose the Option

- A menu will appear. Select Option 1 - Send Money by typing "1".

- Choose your preferred transfer method:

- UPI ID
- Mobile number
- Bank account and IFSC code

3. Enter Details

- Input the recipient’s UPI ID, phone number, or bank account details.

4. Enter the Amount

- Specify the amount you want to transfer.

5. Authenticate the Transaction

- Enter your MPIN (Mobile Personal Identification Number) to confirm the payment.

Benefits of Using the USSD Service

- No Internet Needed: Perfect for areas with poor network coverage.

- Saves Storage: Eliminates the need for multiple payment apps.

- 24/7 Availability: Transactions can be made anytime, including holidays.

- Low Transaction Fees: Costs only Rs. 0.50 per transaction.

Limitations and Points to Note

- Transaction Limit: Maximum of Rs. 5,000 per transaction.

- Registered Phone Number: The phone number must be linked to your bank account.

- Verify Dialing Code: Always confirm the USSD code (*99#) before using it, as it may change.

UPI Lite for Small Transactions

For payments under Rs. 500, you can use UPI Lite, which doesn’t require a passcode. Here's how:

1. Scan any UPI-powered QR code or enter the recipient’s phone number.

2. Select UPI Lite as the payment option.

3. Complete the payment seamlessly.

Key Takeaways

- The *99# USSD service works on GSM phones and is supported by platforms like Paytm, Google Pay, and WhatsApp Pay.

- A one-time registration on the BHIM app is required to set up your UPI account.

- This service is highly secure and accessible, making it a practical alternative for non-internet users.

With the *99# service, transferring money is now simpler, faster, and more accessible, ensuring no one is left out of the digital economy.

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