Make UPI Payment without Internet in UPI 2.0

By | September 27, 2023
UPI 2.0

Online transactions in India have grown exponentially after the introduction of UPI in 2016. You can guess this from the fact that today India is at the top in terms of maximum digital online payment in the world, while China is at number two in this matter.

After the success of UPI, the Government of India has launched a new version of UPI known as UPI 2.0 to further enhance the convenience of payment related transactions. Many new technologies have been used in this version of UPI, through which there will be a lot of convenience in money transactions.

The funniest thing in this version is that now people using keypad phones can also take advantage of UPI transactions. Many such new features have come in UPI 2.0 through which neither smartphone nor internet is required to make UPI payment. Those who do not have a smartphone but have a feature ie keypad phone can also avail the facility of transactions through UPI.

Not only this, many more features have been added in UPI 2.0 through which customers are going to get a lot of benefits in UPI transactions. So let us tell you through this article today what is UPI 2.0 and what are its benefits?

What is UPI 2.0?

UPI 2.0 is the new and second version (Vesrion) of UPI which was launched by the Government of India in the year 2018. Although the Government of India has updated many new features with this version, that’s why UPI 2.0 is very much discussed these days.

The full form of UPI is Unified Payments Interface, which means Unified Payments Interface in Hindi. This is such a facility by using which we can transfer money from our bank account to any other bank account from anywhere at any time. That means you can send money as well as ask for it. It was launched in India in the year 2016.

Initially it was believed that not many people of India would be able to use UPI nor would they be interested in it, but today the situation is different. After the introduction of UPI in India, the trend of UPI payments kept increasing day by day and today India is at the top in terms of UPI payments in the world.

However, many times the talk of fraud and some inconvenience regarding UPI payment also came to the fore. Taking these things into practice, the Government of India launched its second version UPI 2.0 in the year 2018 to make online payment safe and convenient, in which many changes were made regarding UPI payment and new facilities were also made available.

Recently, the Government of India has updated many new and great features in UPI 2.0, through which now not only the well-educated and smartphone users, but also the people using keypad mobile phones will be able to take advantage of it. Apart from all this, the funniest feature in this version is that now there is no need for internet to make UPI payments.

So let us now tell you about the benefits of these new features of UPI 2.0.

New features and benefits of UPI 2.0

UPI 123Pay and UPI Autopay are the most prominent of these new features.

1. UPI 123Pay: UPI payment will be done without internet and smartphone –

Another new version of UPI, UPI 123Pay, was recently launched under UPI 2.0. Some such features have been included in this new version through which UPI payment can be done even without internet and smartphone.

Even today, about 400 million people in India use keypad mobile phones ie feature phones. Till now, internet and smartphone were required to use UPI payment conveniently, due to which these 40 crore people were not able to connect with UPI. This new version has been launched to connect these 400000000 feature phone users with the facility of UPI payment.

In this version you have to call for UPI payment from your keypad mobile phone and provide your required details after which your UPI account will be attached to your keypad mobile phone. After providing the information, you will have to create your UPI PIN which will be of 4 to 6 digits.

Whether you make UPI payment through your smartphone or keypad mobile phone, you will need a 4 or 6 digit UPI PIN. Digital transactions will be possible only after entering the UPI PIN.

2. UPI Autopay: Payment will be done automatically on every due date –

Recently, a new feature of UPI auto payment has also been added under UPI 2.0. Actually UPI Autopay is an automatic billing payment system, using which all those essential services will be automatically paid for which we have to pay again and again.

Using this one can easily pay for essential services like their electricity bill, EMI mobile recharge and digital recharge. These are the services that have to be paid for every month to start. Whereas in case of EMI many times due to non-payment on time you also have to pay extra charge. To overcome these problems, this new feature has been created, using which the payment for all the essential services is done automatically.

3. Will be able to link Credit Card with UPI –

In the old version of UPI, online transactions and payments could be done using only debit cards, but now in the new version of UPI 2.0, you can also link your credit card with your UPI account.

That is, now you will be provided the facility of Buy Now, Pay Later for UPI payment. You can easily shop online and pay later with UPI using your credit card.

4. Offline Wallet can be used in UPI –

Through UPI 2.0, now offline wallet facilities will also be provided for making UPI payments. That is, you will be able to take advantage of offline payment as per your need by adding money to the wallet as per your convenience.

5. Digital money will be linked to UPI –

Recently Government of India has launched Central Bank Digital Currency for retail services. During the launch of digital currency i.e. digital rupees, the Government of India had clearly stated that in future digital rupees will also be made a part of UPI payment and can be added to UPI account. That is, now we will also be able to do digital money transactions through our bank account in our UPI ID.

So friends these were some new and fun features which have been updated or going to be updated in UPI 2.0 version. Hope you have liked the information related to UPI 2.0.

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