In today’s digital era, the absence of internet connectivity can pose challenges for individuals attempting to engage in digital transactions. Recognizing this obstacle, the Unified Payments Interface (UPI) has unveiled a solution: the *99# USSD (Unstructured Supplementary Service Data) service. This innovative feature enables transactions without relying on data services, ensuring accessibility for all, even in areas with limited connectivity or for those without smartphones.
Simplified Guide to UPI Transactions without Internet:
Initial Setup: Begin by linking your mobile number to a UPI account through any UPI-supported app. Register your bank account and create a UPI ID.
Accessing the Service: To initiate a transaction offline, simply dial *99# on your mobile phone. This code connects you to the UPI service through your mobile network.
Navigating the Menu: Upon dialing, a menu will appear, offering options such as sending money, receiving money, balance inquiry, and managing your UPI PIN. Choose your desired action by entering the corresponding number.
Making a Transaction: To send money, follow the prompts to input the recipient’s details, such as their UPI ID, bank account number, or phone number. The process is guided and straightforward.
Authenticating the Payment: Enter the amount you wish to send and your UPI PIN to authenticate the transaction securely.
Limits and Fees: Transactions via *99# may have limits (e.g., Rs. 5,000 per transaction) and could incur a nominal fee per transaction (e.g., up to Rs. 0.50). These measures ensure sustainable service provision and accessibility for all users.
This USSD-based payment service, spearheaded by the National Payments Corporation of India (NPCI), aims to democratize access to digital financial transactions nationwide. It caters to individuals in regions with limited internet connectivity or without smartphones, fostering financial inclusion and empowering all segments of society to participate in the digital economy.
The introduction of this service marks a significant stride towards financial inclusion, offering a secure and user-friendly method for conducting digital transactions sans internet access. It underscores the adaptability of the UPI platform, making digital payments feasible for a broader audience, irrespective of technological constraints.
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