USSD
USSD (*99#) is a service offered by NPCI to enable users to access UPI platform.
Steps to use:
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Dial *99# from your registered mobile number
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An interactive menu will be displayed.
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Are you a First Time User –
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Please enter bank name
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Please select bank account
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You can now Set UPI Pin – please enter details of your debit card (last 6 digits, and expiry date). Please do not disclose the debit card details to anyone.
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Enter and confirm UPI pin
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You can now send or receive payments using UPI.
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You can also check balance of your account.
USSD (*99#) - Advantages
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You can access UPI using *99#
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No need of smartphone
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Transact through an interactive menu displayed on the mobile screen
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Uses USSD as the access channel that works across all GSM handsets (smartphone or otherwise) making it reach the last mile user
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Does not require data connectivity (works on signaling channel) that makes it high availability service
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Round the clock availability (works even on holidays)
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Accessible through a common code *99# across specific GSM Operators and mobile handsets
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Additional channel for using BHIM app and key catalyst for financial inclusion
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Free of Cost
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Financial Services
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Sending Money using Mobile No
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Sending Money using UPI ID
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Sending Money using Account No. + IFSC
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Requesting Money using UPI ID / Mobile No.
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Non-Financial Services
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Account Balance
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Set UPI PIN
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Change UPI PIN
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Last 5 transactions
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