*99# Service: Initiate Google Pay, Phone Pe, Paytm, UPI Payments without internet

With the expansion of digitalization and the Covid pandemic, most of the population has entirely depended on digital payments modes such as Google Pay, PhonePe, Paytm, and other UPI methods. It’s too simple and easy to perform out.

But have you ever experienced internet issues while processing payments? You definitely have faced that as it’s as common as thousands of people are making transactions in every millisecond.

Today, we’re kicking out a way that can really help you to make payments even without internet connectivity!

*99# Service: The Way to Pay Offline

Can you believe that you still can pay when you haven’t a single network of the internet? But, yes! It is 100% possible through the ‘*99# service’, also known as the National Unified USSD Platform (NUUP).

It was efficiently launched by the National Payments Corporation of India (NPCI) in the year 2012.

These two digital payment platforms enable the users to fulfill the transactions even without internet support.

How to Utilize ‘*99# Service’ to make UPI Payments?

To perform the ‘*99#* service, you need to precisely follow all the below-mentioned points-

Step 1: Firstly, you have to register on the BHIM application. After registration, check your bank account and phone number twice to avoid unnecessary time-consuming.

Once you are done with the linked bank account and phone number, you can further proceed without any struggle.

Step 2: Now, open your handset’s dialer and tap ‘*99#’ and then press the call icon. After that, you will get directed to a numbered menu where you would find plenty of advanced options like ‘Send Money’, ‘Receive Money’, ‘UPI PIN’, ‘Pending Requests’, ‘My Account’, etc.

You can choose any of the provided options based on your preferences.

Step 3: In case of money transfer, Choose 1 in the vacant text field. This will ultimately allow you to make a transaction via your UPI ID or phone number or linked bank account. Select the method you find simple and easy.

Step 4: If you select the UPI ID to continue the transaction, then you must have to provide the recipient’s UPI ID as well.

On the other side, if you prefer the bank account option, then you’ve to provide the beneficiary’s valid account number with an IFSC code.

Whereas if you handpick the phone number alternative to pay further, you just need to enter the recipient’s phone number which is linked to his/her bank account.

Step 5: When you’re all done with payment options, now you need to enter the amount you want to transfer, just as same as any other digital payment platform.

Step 6: In the end, you need to enter your UPI security pin number to finalize the transaction. Go with the ‘Send’ option to fulfill the transaction.

Instantly, you will receive a pope confirmation on your phone which would apprise you of the transaction status update along with the reference ID.

As soon as your transaction would be successful, you will be asked whether you want to fix a person as a beneficiary for upcoming transactions or not!

*99# Service Charges

There would be charges to make offline payments done. It would be ₹0.50 per payment you made!


Yes, you just need to download the BHIM application and perform the one-time registration process to conduct *99# service.

Yes, there is a fixed charge of ₹0.50/payment for initializing *99# service.

It is a 100% safe and secure method to use. You will be more likely to feel it as an online transaction i.e., simple, easy, and overall secure!

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