NPCI introduced UPI payments without internet using NPCI’s short code, *99#. This mobile banking platform allows users to perform transactions without internet, benefiting feature phone users and those with limited access. To set up offline UPI payments, dial *99# and select language, enter IFSC code, link bank account, and provide debit card details. To make offline UPI payments, dial 99#, select language, choose ‘Send Money’ or ‘Transfer Money’, enter beneficiary’s number or VPA, specify amount, enter UPI PIN, and confirm transaction details.