Recently, due to UPI down, millions of people faced a problem in payment. What to do if such a situation comes again and you do not have a cash or card? No need to panic! You can avoid this problem with some easy tricks and digital payment options. Let’s know the methods from which you can pay even without UPI.
Pay even if you do not have cash and debit-credit cards
Recently, UPI services were closed for a few hours across the country, causing millions of people to face difficulty in paying. Users, who are dependent on online transactions, started worrying that if it happened in future and they have neither cash nor debit or credit card, then how will they pay? Many fun memes were also made on this problem on social media, one of which wrote, “If UPI does not run, will you have to wash utensils in the hotel?”
If you too get caught in such a situation, there is no need to worry. There are many easy and smart methods from which you can easily pay without UPI and without cash.
Let’s know in detail about these options…
1. Do transactions from internet banking
If you have a bank account and internet banking activate, you can easily transfer money through NEFT (National Electronic Fund Transfer) or RTGS (Real Time Gross Settlement). For this, you must have internet and bank login details.
This is how transactions
- Login on your bank’s net banking website or app.
- Go to fund transfer option.
- Enter the bank account number and IFSC code of the money to send money.
- Fill the transfer amount and confirm the payment.
- This method is the best for those whose internet banking is already active and who needs to send money to someone immediately.
2. Withdraw Cash from Cardless ATM
Even if you do not have a debit or credit card, you can still withdraw cardless cash from ATM of some banks. This will only require your mobile number and OTP.
How to withdraw cash withdrawn
- Login in your bank’s mobile banking app.
- Select “Cardless Cash Withdrawal” option.
- Fill the amount of money you want to withdraw and enter the mobile number.
- An OTP will come on your phone, which you can withdraw cash by putting it in ATM.
3. Transfer money without UPI from Payzapp
Payzapp is a digital wallet and payment service, operated by HDFC Bank. If UPI is not working, you can easily send money from Payzapp.
This is how transactions
- Download the Payzapp app and link to your bank account.
- Go to the “Send Money” option.
- Put the mobile number of the money you want to send.
- Pay with credit/debit card or wallet balance.
4. Make UPI payment without Paytm
Even if the UPI is down, you can send money directly from your bank account from Paytm.
This is how transactions
- Open the Paytm app and go to the “Send Money” option.
- Choose “Send Money to Mobile Number” or “to Bank Account”.
- Enter the mobile number or bank account details of the money you want to send.
- Pay with your debit or credit card.
Pay by scanning QR Code
If you have neither cash, nor card and UPI are not even working, then you can also pay by scanning the QR code.
How to pay
- Scan the QR code of any retailer.
- Pay with your card or digital wallet.
- Show the shopkeeper after the payment is confirmed.
Are these methods completely safe?
Yes, all these methods are completely safe, as they are mostly provided by banking and certified payment platforms. But keep in mind that do not share your banking information or OTP with any unknown person, so that fraud can be avoided.
