In today’s digital era, online transactions have become an integral part of our daily lives. However, when internet connectivity becomes an issue, it can hinder banking server operations and lead to transaction failures. To combat this challenge, a new innovative approach using USSD technology for offline UPI payments has emerged.
How to Use USSD for UPI Payments
To initiate UPI transactions without internet access, simply dial *99# on your smartphone. This USSD code serves as the gateway to access UPI services without the need for an internet connection. Upon entering your mobile number and linked UPI ID, you can seamlessly proceed with your desired banking activities.
Benefits of USSD-Based UPI Transactions
- Accessible even without internet connectivity
- Simplified and secure payment process
- Immediate transaction processing
- No additional data charges incurred
By leveraging USSD technology, users can conveniently carry out UPI transactions anytime, anywhere, regardless of internet availability. This revolutionary offline mode ensures seamless banking experiences and empowers individuals with greater financial accessibility.

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