{"id":5479,"date":"2026-11-02T10:04:51","date_gmt":"2026-11-02T10:04:51","guid":{"rendered":"https:\/\/jumpp.finance\/blog\/?p=5479"},"modified":"2026-11-05T04:52:15","modified_gmt":"2026-11-05T04:52:15","slug":"offline-upi-payment","status":"publish","type":"post","link":"https:\/\/jumpp.finance\/blog\/financial-wellness\/upi\/offline-upi-payment\/","title":{"rendered":"Offline UPI Payment in India: How to Pay Without Internet"},"content":{"rendered":"<div class='main-article-wrapper'>\n<p class=\"wp-block-paragraph\">UPI has made everyday payments simple, from buying groceries to paying for an auto ride. But what happens when your internet connection isn&#8217;t working?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You may still be able to complete your payment using <strong>offline UPI payment<\/strong> options such as *99# and UPI 123Pay.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#8217;s understand <strong>how offline UPI payment works<\/strong>, how to use these methods and their transaction limits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_an_Offline_UPI_Payment\"><\/span>What Is an Offline UPI Payment?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">An <strong>offline UPI payment<\/strong> is a secure method to transfer money or pay merchants without a live mobile internet or Wi-Fi connection.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead of relying on data-heavy app ecosystems, these methods process transaction payloads using alternative infrastructure.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Does_Offline_UPI_Payment_Work\"><\/span>How Does Offline UPI Payment Work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Offline UPI payment methods use communication channels instead of the usual internet-based UPI app.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These methods include the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NFC:<\/strong> Uses short-range wireless communication between compatible devices for supported offline transactions.<\/li>\n\n\n\n<li><strong>USSD:<\/strong> Uses the mobile network to display interactive banking menus through *99#.<\/li>\n\n\n\n<li><strong>IVR:<\/strong> Uses automated voice instructions to initiate and authorise payments through UPI 123Pay.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Do_UPI_Payment_Without_Internet\"><\/span>How to Do UPI Payment Without Internet<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You can make UPI payments without an internet connection using the 99# USSD service, UPI 123Pay voice-guided calls, or UPI Lite X.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are three methods to use UPI offline-<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Method 1: How to Use *99# for UPI Payment&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">*99# is a USSD-based service that lets you access supported UPI and banking facilities without mobile internet. It works through an interactive text menu on compatible feature phones and smartphones.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Steps to make a payment:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Dial <strong>*99#<\/strong> from your bank-registered mobile number.<\/li>\n\n\n\n<li>Select your preferred language, if prompted.<\/li>\n\n\n\n<li>Enter your bank&#8217;s name or supported identification details if registering for the first time.<\/li>\n\n\n\n<li>Choose <strong>Send Money<\/strong> from the available menu.<\/li>\n\n\n\n<li>Select the recipient method, such as UPI ID or bank account details.<\/li>\n\n\n\n<li>Enter the recipient&#8217;s information and payment amount.<\/li>\n\n\n\n<li>Enter your UPI PIN to authorise the payment.<\/li>\n\n\n\n<li>Check the transaction confirmation.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Remember:<\/em><\/strong> <em>*99# needs cellular network coverage even though it does not require mobile data.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Method 2: How to Use UPI 123Pay Without Internet<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">UPI 123Pay is designed primarily for feature-phone users who want to make digital payments without a smartphone or mobile internet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Steps to make a payment:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Call an official UPI 123Pay IVR number supported by your bank or service provider (such as <strong>080 4516 3666<\/strong> or <strong>080 4516 3555<\/strong>).&nbsp;<\/li>\n\n\n\n<li>Choose your preferred language.<\/li>\n\n\n\n<li>Register or select your linked bank account, if prompted.<\/li>\n\n\n\n<li>Choose the money transfer or merchant payment option.<\/li>\n\n\n\n<li>Enter the recipient&#8217;s details using the phone keypad.<\/li>\n\n\n\n<li>Enter the payment amount.<\/li>\n\n\n\n<li>Authorise the transaction using your UPI PIN.<\/li>\n\n\n\n<li>Wait for the payment confirmation.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Related Reading<\/strong> &#8211; <a href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/upi\/countries-where-upi-is-accepted\/\" target=\"_blank\" rel=\"noreferrer noopener\">Explore the list of countries where UPI is supported<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Method 3: How to Make Offline Payments Using UPI Lite X<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">UPI Lite X is an NFC-based payment feature designed to support certain transactions without an active internet connection.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How a supported payment works:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Open a participating UPI app while you have internet access.<\/li>\n\n\n\n<li>Complete the required registration and balance setup.<\/li>\n\n\n\n<li>When making a payment, select the supported offline NFC feature.<\/li>\n\n\n\n<li>Enter the payment amount.<\/li>\n\n\n\n<li>Follow the app&#8217;s instructions to bring your phone near the compatible receiving device.<\/li>\n\n\n\n<li>Check the payment status and complete any required synchronisation when connectivity returns.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Remember:<\/strong> UPI Lite X availability depends on the device, payment app and merchant&#8217;s supported setup. Not every NFC-enabled phone can automatically make these payments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Difference_Between_Offline_UPI_Payment_Options_-99_vs_UPI_123Pay_vs_UPI_Lite_X\"><\/span>Difference Between Offline UPI Payment Options -*99# vs UPI 123Pay vs UPI Lite X<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>*99#<\/strong> uses text menus via network dial codes, <strong>UPI 123Pay<\/strong> works via automated voice calls, and <strong>UPI Lite<\/strong> uses an app-based local wallet for instant, internet-free smartphone payments.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>*99#<\/strong><\/td><td><strong>UPI 123Pay (IVR)<\/strong><\/td><td><strong>UPI Lite X<\/strong><\/td><\/tr><tr><td>Technology<\/td><td>USSD<\/td><td>Voice-based IVR<\/td><td>NFC<\/td><\/tr><tr><td>Mobile internet needed<\/td><td>No<\/td><td>No<\/td><td>No, for supported offline payments<\/td><\/tr><tr><td>Cellular network needed<\/td><td>Yes<\/td><td>Yes<\/td><td>Not during a supported offline transaction<\/td><\/tr><tr><td>Device<\/td><td>Compatible GSM phone<\/td><td>Primarily feature phones<\/td><td>Compatible NFC-enabled device<\/td><\/tr><tr><td>UPI PIN<\/td><td>Required for payments<\/td><td>Required for payments<\/td><td>Depends on the supported flow<\/td><\/tr><tr><td>Suitable for<\/td><td>Payments without mobile data<\/td><td>Voice-guided payments<\/td><td>Compatible contactless offline payments<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Are_the_Offline_UPI_Payment_Limits_in_India\"><\/span>What Are the Offline UPI Payment Limits in India?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Offline UPI payment limits vary by method. The *99# service has a \u20b95,000 daily fund-transfer limit, UPI 123Pay allows up to \u20b910,000 per transaction, and UPI Lite supports payments up to \u20b91,000 per transaction.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Payment method<\/strong><\/td><td><strong>Applicable limit<\/strong><\/td><\/tr><tr><td>*99#<\/td><td>Bank guidance identifies a \u20b95,000 daily fund-transfer limit<\/td><\/tr><tr><td>UPI 123Pay<\/td><td>Up to \u20b910,000 per transaction<\/td><\/tr><tr><td>UPI Lite<\/td><td>\u20b91,000 per transaction and \u20b95,000 maximum balance<\/td><\/tr><tr><td>UPI Lite X<\/td><td>Subject to the specific offline NFC service limits<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_If_an_Offline_UPI_Payment_Fails\"><\/span>What If an Offline UPI Payment Fails?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If an offline UPI payment fails or remains pending, first check whether money has been debited. Avoid immediately repeating the transaction while its status is unclear.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Follow these steps:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Check your account balance or available transaction history.<\/li>\n\n\n\n<li>Look for a confirmation message or transaction reference.<\/li>\n\n\n\n<li>Note the amount, recipient and time of payment.<\/li>\n\n\n\n<li>Avoid authorising the same payment repeatedly.<\/li>\n\n\n\n<li>Contact your bank or payment service if the issue remains unresolved.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">For supported NFC payments, the final transaction status may become available after synchronisation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><a href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/upi\/upi-transaction-failed-but-amount-debited\/\" target=\"_blank\" rel=\"noreferrer noopener\">UPI Payment Failed, but Money Debited? Here\u2019s What to Do<\/a><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1790158533794\"><strong class=\"schema-faq-question\"><strong><strong>How can I make a UPI payment without mobile data?<\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">You can use *99# or a supported UPI 123Pay IVR service to make payments without mobile data. Both require cellular connectivity, while compatible NFC-based offline services may work without an active network.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790158534682\"><strong class=\"schema-faq-question\"><strong><strong>What is the *99# UPI payment limit?<\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">The maximum limit for a *99# USSD UPI transaction is <strong>\u20b95,000 per transaction<\/strong><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790158535370\"><strong class=\"schema-faq-question\"><strong><strong>Can I use UPI 123Pay without a smartphone?<\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, UPI 123Pay is designed primarily for feature-phone users. Supported IVR services allow users to initiate and authorise payments through a phone call without mobile internet.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790158535908\"><strong class=\"schema-faq-question\"><strong><strong>Can I set up offline UPI without internet?<\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, you can set up and use UPI without an internet connection. However, you will still need active cellular network coverage (such as a mobile signal) or a voice\/USSD channel<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790158536870\"><strong class=\"schema-faq-question\"><strong><strong>Does every bank support offline UPI payments?<\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">No, availability depends on the bank, mobile operator, payment method and participating service provider. Check whether your bank supports *99#, UPI 123Pay or the relevant offline NFC feature.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790158537317\"><strong class=\"schema-faq-question\"><strong><strong>Can I make UPI payments when there is no mobile network?<\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">Only certain supported offline payment technologies, such as compatible NFC-based features, can work without an active mobile network. *99# and UPI 123Pay IVR still require cellular connectivity.<\/p> <\/div> <\/div>\n<\/div><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/upi\/offline-upi-payment\/#What_Is_an_Offline_UPI_Payment\" >What Is an Offline UPI Payment?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/upi\/offline-upi-payment\/#How_Does_Offline_UPI_Payment_Work\" >How Does Offline UPI Payment Work?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/upi\/offline-upi-payment\/#How_to_Do_UPI_Payment_Without_Internet\" >How to Do UPI Payment Without Internet<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/upi\/offline-upi-payment\/#Difference_Between_Offline_UPI_Payment_Options_-99_vs_UPI_123Pay_vs_UPI_Lite_X\" >Difference Between Offline UPI Payment Options -*99# vs UPI 123Pay vs UPI Lite X<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/upi\/offline-upi-payment\/#What_Are_the_Offline_UPI_Payment_Limits_in_India\" >What Are the Offline UPI Payment Limits in India?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/upi\/offline-upi-payment\/#What_If_an_Offline_UPI_Payment_Fails\" >What If an Offline UPI Payment Fails?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/upi\/offline-upi-payment\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n","protected":false},"excerpt":{"rendered":"<p>UPI has made everyday payments simple, from buying groceries to paying for an auto ride. But what happens when your internet connection isn&#8217;t working? You may still be able to complete your payment using offline UPI payment options such as *99# and UPI 123Pay. Let&#8217;s understand how offline UPI payment works, how to use these &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/upi\/offline-upi-payment\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Offline UPI Payment in India: How to Pay Without Internet&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":5667,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3576],"tags":[5274,5280,5275,5283,5284,5277,5281,5273,5278,5282,5279,5276,5272,5271],"class_list":["post-5479","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-upi","tag-99-upi","tag-how-offline-upi-payment-works","tag-how-to-do-upi-payment-without-internet","tag-how-to-make-upi-payment-without-internet","tag-how-to-use-99-for-upi-payment","tag-how-to-use-upi-offline","tag-offline-digital-payment-in-india","tag-offline-upi-payment","tag-offline-upi-payment-in-india","tag-offline-upi-payment-using-99","tag-upi-lite-offline-payment","tag-upi-offline-payment","tag-upi-payment-without-internet","tag-upi-without-internet"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Offline UPI Payment in India: Methods, Steps &amp; Limits<\/title>\n<meta name=\"description\" content=\"Offline UPI payment lets you send money without mobile data using *99# or UPI 123Pay. 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However, you will still need active cellular network coverage (such as a mobile signal) or a voice\/USSD channel","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/upi\/offline-upi-payment\/#faq-question-1790158536870","position":5,"url":"https:\/\/jumpp.finance\/blog\/financial-wellness\/upi\/offline-upi-payment\/#faq-question-1790158536870","name":"Does every bank support offline UPI payments?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No, availability depends on the bank, mobile operator, payment method and participating service provider. Check whether your bank supports *99#, UPI 123Pay or the relevant offline NFC feature.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/upi\/offline-upi-payment\/#faq-question-1790158537317","position":6,"url":"https:\/\/jumpp.finance\/blog\/financial-wellness\/upi\/offline-upi-payment\/#faq-question-1790158537317","name":"Can I make UPI payments when there is no mobile network?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Only certain supported offline payment technologies, such as compatible NFC-based features, can work without an active mobile network. *99# and UPI 123Pay IVR still require cellular connectivity.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/posts\/5479","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/comments?post=5479"}],"version-history":[{"count":5,"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/posts\/5479\/revisions"}],"predecessor-version":[{"id":5680,"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/posts\/5479\/revisions\/5680"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/media\/5667"}],"wp:attachment":[{"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/media?parent=5479"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/categories?post=5479"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/tags?post=5479"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}