New Delhi: As a result of the popularity of UPI apps like Google Pay, PhonePe, Paytm, and others, some people no longer carry cash at all. Today, practically everyone takes UPI payments, from merchants in grand malls to a little florist on the corner, making it a more common option than cash payments.
Online transactions are now hassle-free, unlike earlier times when you had to carry a wallet and ensure that you have low denomination currencies like Rs 10, Rs 20 or Rs 50. ,Also read: Big Celebration Bonanza! The people of these states will get groceries including sugar at subsidized rates; details here,
Since UPI has helped us with the always existing transactional issues, it has introduced some new ones as well. For example, have you ever needed to make a payment but your phone ran out of battery or had a poor internet connection? Whatever experience you had, it is better that you know that you can use USSD codes to access UPI (Unified Payments Interface). ,Also read: 77-year-old man used this trick to win lottery worth Rs 41 lakh,
No matter whether you have a smartphone or a feature phone, USSD technology makes banking accessible and simple to everyone. It was first introduced by NPCI in November 2012 with only two limited telecom partners- BSNL and MTNL, but is now available on all top cellular networks. As per NPCI *99# service is available in 13 different languages including Hindi and English. 83 top banks provide the service.
Step-by-Step Guide to Change Your UPI Settings
Step 1: Open the call dialer on your smartphone or feature phone and dial *99#.
Step 2: Select the preferred language and type the name of the bank or the first four characters of the IFSC code.
Step 3: Users can select the bank account they want to use, from the list of accounts that are linked to their phone and displayed on the screen.
Step 4: Users have to provide the last six digits of their debit card and the expiry date.
Step 5: After the completion of this process, consumers are now able to make payments without internet connection.
Step-by-Step Guide to Make UPI Payments Without Internet
1. Launch Call Dialer, then enter 1 to send money by dialing *99#.
Step 2: Select the preferred option and enter phone number, bank account number or UPI ID.
Step 3: Submit the sum and UPI PIN.
Your transaction will be done in step four. (*99# Use of the service may result in charges up to Rs.0.50 per transaction. Additionally, the current limit for this service is Rs.5,000 per transaction.)