How to Make UPI Payments Without Internet Access

Discover how to make UPI payments without needing an internet connection. This guide explains the simple steps to complete transactions offline, ensuring you can send money even in areas with poor connectivity. Learn about the introduction of this feature in 2022 and the essential requirements for successful transactions. Don't let network issues hinder your ability to make payments—read on to find out how to navigate UPI transactions seamlessly.

By Narendra Chaudhary Mar 26, 2026, 17:58 IST

UPI Payments Without Internet Access

Making UPI Payments Offline: In today's digital age, utilizing UPI for online transactions has become incredibly convenient. From local vendors to major retail outlets and dining establishments, UPI is widely accepted. However, there are instances when transactions may fail due to poor network connectivity or depleted data. Surprisingly, many users are unaware that UPI transactions can still be completed without an internet connection. Even if your device lacks a signal, you can execute digital payments through a straightforward method. This feature eliminates the need for cash and alleviates concerns about transaction failures. In this article, we will guide you on how to perform UPI payments offline.

Introduction of Offline Payment Feature in 2022

Background:
The National Payments Corporation of India (NPCI) launched the capability to conduct UPI transactions without internet access in 2022. This initiative was designed to tackle the significant issue faced by individuals in regions with limited network coverage or unreliable internet access. Let's explore the steps involved in making offline payments.

Step-by-Step Guide for Offline Payments

How to Make Payments:
To initiate a UPI payment without internet, dial *99# on your mobile device.
A menu will pop up on your screen; choose the "Send Money" option.
Next, opt to send money using a mobile number and input the recipient's mobile number.
Upon entering the number, the recipient's name will appear; confirm this name before proceeding with the transaction.
Then, enter the amount you wish to send, followed by your UPI PIN.
After completing these steps, your payment will be processed in just a few seconds.

Key Considerations

Important Reminders:
For offline UPI payments to function, your mobile number must be linked to your bank account. In some cases, linking your Aadhaar number may also be necessary. Therefore, if your mobile number is not associated with your bank account, the transaction may not go through.

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