Unified Payments Interface (UPI) has become an essential tool for everyday transactions, from online shopping to grocery shopping, allowing people to send and receive money quickly. But did you know you can make UPI payments even without internet access or a smartphone?
By dialing *99# from any feature phone, users can access basic UPI services through a USSD (Unstructured Supplementary service Data) menu. This allows people to:
· Send money to bank accounts or UPI IDs
· Check account balance
· Request money
This service is particularly helpful for people who don’t own smartphones, live in areas with poor internet connectivity, or want a simple method for banking. USSD-based UPI works on all mobile networks and doesn’t require an app, making digital payments accessible to millions of users who were previously excluded.
Experts say this step is part of a larger effort to expand financial inclusion in India, ensuring that everyone can benefit from digital payments regardless of technology access.
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