UPI for Offline Payments Without Internet Access

Safe offline UPI transactions for easy transactions.
SET UP UPI
Offline UPI Payment
SET UP UPI
5 mins
15 November 2024

What is offline UPI payment?

Within digital transactions, offline UPI payments have emerged as a convenient solution. They enable users to conduct transactions even in areas with limited or no internet connectivity. This innovative payment method leverages the Unified Payments Interface (UPI)technology. It allows individuals to make seamless transactions without needing an active internet connection.

How to do offline UPI payments?

Making an offline UPI payment is a breeze. All you need is your mobile phone and a registered bank account. Here's a quick guide:

  1. *Dial 99#: This USSD code activates the mobile banking menu OR UPI Lite
  2. Select your language: Choose your preferred language from the available options.
  3. Enter your bank's IFSC code: This unique code identifies your branch.
  4. Verify your account: You will likely be prompted to enter the last 6 digits of your debit card and its expiry date for verification.
  5. Make your payment: Once verified, follow the on-screen prompts to initiate the offline UPI payment. Enter the recipient's details, like a phone number or Virtual Payment Address (VPA), and the amount you wish to transfer.
  6. Confirm and enter your UPI PIN: Double-check the transaction details before confirming. Finally, enter your UPI PIN to complete the payment.

How to set up the offline UPI payments

Setting up offline UPI is a one-time process. Here's how:

  1. *Dial 99#: As mentioned earlier, this code initiates the mobile banking menu.
  2. Follow the prompts: The USSD menu will guide you through the setup process. Select your bank, link your account, and verify your details.

Bajaj Pay UPI and Bajaj Pay Wallet bring unparalleled convenience to offline UPI payments. Whether at a restaurant or a brick-and-mortar establishment, you can seamlessly settle bills using your Bajaj Pay UPI or Bajaj Wallet. With Bajaj's innovative offline UPI payment solution, transactions are quick, secure, and hassle-free. Enjoy the ease of making payments offline while experiencing the same security and convenience online transactions offer.

Conclusion

Offline UPI payments offer a convenient, efficient way to transact without an internet connection. By following simple steps, you can initiate and authorise transactions securely using your UPI-enabled app and UPI ID. Setting up offline UPI payments is easy. Platforms like Bajaj Finserv's BBPS provide additional support and features to enhance your offline payment experience. With the flexibility and accessibility of offline UPI payments, you can enjoy seamless transactions anytime, anywhere. So, explore the possibilities of offline UPI payments today and streamline your payment process with ease and confidence.

Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Explore and apply for co-branded credit cards online.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

GET THE APP

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

Frequently asked questions

Is offline UPI payment possible?

Yes, offline UPI payments are possible using your phone's *99# code.

How can I use UPI without a mobile?

Currently, UPI functionality requires a mobile phone with a registered SIM card linked to your bank account.

What is the difference between UPI and UPI Lite?

Both UPI and UPI Lite facilitate digital payments. However, UPI Lite offers a separate wallet for storing funds and allows for a limited number of offline transactions. It also offers even lower transaction limits than standard UPI.

How do I pay UPI in offline mode?

To use offline UPI, follow the steps mentioned in the 'How to do Offline UPI Payments?' section.

Can we make payment offline?

Yes, several platforms like Bajaj Finserv's BBPS facilitate offline payments, ensuring convenience and accessibility for users.

How to set up and use UPI for offline payments?

setting up and using UPI (Unified Payments Interface) for offline payments is straightforward. Here is how you can do it:

Set Up UPI:

  • Download a UPI app: Install a UPI-enabled app like BHIM, Google Pay, PhonePe, or any other supported app from your app store.
  • Register your account: Open the app and register using your mobile number linked to your bank account.
  • Create a UPI ID: Follow the prompts to create a unique UPI ID (e.g., yourname@bankname).
  • Set a UPI PIN: Link your bank account and set a secure UPI PIN for transactions.

Using UPI for offline payments:

  • Dial USSD code: On your mobile phone, dial *99# to access the USSD-based mobile banking service.
  • Select UPI option: Follow the menu prompts to select the UPI option.
  • Enter details: Enter the recipient’s UPI ID or mobile number, the amount to be transferred, and your UPI PIN to authorise the transaction.
  • Confirm payment: Review the transaction details and confirm the payment. You will receive a confirmation message once the transaction is successful.
What are the benefits of UPI offline payments for users and merchants?

UPI offline payments offer several advantages for both users and merchants:

For users:

  • Accessibility: Allows users without internet access to make digital payments using basic mobile phones.
  • Convenience: Enables quick and easy transactions without the need for a smartphone or internet connection.
  • Security: Transactions are secured with a UPI PIN, ensuring safe and secure payments.

For merchants:

  • Wider customer base: Merchants can accept payments from customers who do not have internet access or smartphones.
  • Reduced dependency on cash: Encourages digital transactions, reducing the need for handling cash.
  • Instant payments: Payments are processed instantly, improving cash flow and reducing the risk of payment delays.
Show More Show Less

Related videos