UPI Payments Now Possible Without Internet! – Here’s How

In today’s digital age, internet connectivity is crucial for most activities, especially digital transactions. But what if you're in a remote area with poor internet access? Good news — you can now make UPI payments without an internet connection.

🔧 NPCI Launches UPI Lite X

The National Payments Corporation of India (NPCI) has rolled out a new feature called UPI Lite X, which enables offline UPI transactions — even when there’s no internet or Wi-Fi.

Yes, it’s true! With UPI Lite X, payments can be made entirely offline, making it easier for users in rural or low-connectivity areas to go cashless.

📱 How Does UPI Lite X Work?

To use UPI Lite X, you need:

• A smartphone with NFC (Near Field Communication) enabled.

• A UPI app that supports UPI Lite X.

Here’s how it works:

• The transaction is conducted using NFC, which allows data sharing between two phones.

• Money is debited from your UPI Lite account and credited to the recipient, all offline.

This means you don’t need internet — just tap and pay using NFC.

☎️ *Don’t Have a Smartphone? Use USSD (99#)

If you don’t have an NFC-enabled smartphone or use a feature phone, you can still make offline UPI transactions using USSD service (*99#).

Here’s how:

1. Dial *99# from the mobile number linked to your bank account.

2. A menu will appear with options like:

   • Check balance

   • Send money

   • View transaction history

3. No app or internet is needed — the process works using mobile network signals.

You can send up to ₹5,000 per transaction using this method.

🏦 How Widely Is This Service Available?

• 83 banks in India currently support this offline UPI feature.

• Backed by 4 telecom operators.

• Available in 13 Indian languages, including Hindi and English.

• Works on both smartphones and feature phones.

✅ Benefits of UPI Without Internet

• Instant payments without data or Wi-Fi

• Ideal for rural areas or emergency situations

• Helps bridge the digital divide

• Safe and secure transactions

In summary, *UPI Lite X and USSD (99#) have made digital payments more inclusive and accessible than ever before. Whether you're online or offline, in a city or a remote village — you can now go fully digital.

Let me know if you'd like a simplified version or a visual summary!