Use USSD to make payments using Basic feature Mobile - How it works

In this article you will learn how to use USSD payments using the your basic mobile phone or also smart phone too. I would request you to please make use of this opportunity to teach others if they have basic phone and are struggling to make digital payments.

USSD stands for Unstructured Supplementary Service Data which used to send and receive message from basic mobile using the respective mobile networks that the user is using to communicate. This technology has been in place from long time however, it has been used only to recharge your phone and check balance. This technology will help you make payments if you do not have internet connection as this only requires your phone network. This can be used for both basic and smart phone.

Now with the demonetization, Government is encouraging to use USSD technology to further make payments digitally if you have got basic phone. So this article will help you understand also learn on to use this technology:

USSD can dialed access using *99*. Now there are many features which are available. It is available in 11 local languages and can be accessed by your phone. By pressing the respective code for various languages options. Hindi (*99*22#), Marathi (*99*28#), Bengali (*99*29#), Punjabi (*99*30#), Kannada (*99*26#), Gujarati (*99*27#), Tamil (*99*23#), Telugu (*99*24#), Malayalam (*99*25#), Oriya (*99*32#) and Assamese (*99*31#).

You can check : Account Balance, Mini Statement, Send money using MMID, Send money using IFSC, Show MMID, Change MPIN.

To start using the USSD technology follow the below the steps:

Press *99# --> select your preferred language --> lets says Hindi *99*22#

The next screen that you are going is enter your bank name, only first 3 character or letter of your bank. Post it will list the bank and you can select the respective bank.

If you have a cheque book or know your Bank IFSC code then you can use that too.

If your mobile is registered with the bank then it will display all your account information and also you can generate or change the MPIN.

You can check your account balance and also execute other activities using the menu.

To transfer the amount, you can either use Option 3 using MMID or 4 using IFSC. Based on your bank registration you will need to provide the beneficiary phone number --> amount to be transferred --> Enter the MPIN that you will receive.

Let do it with an example:

--> Type *99*
--> Select your preferred language (Hindi) 22
--> You can transfer amount using the MMID or IFSC code. Based on information that you have.
--> Lets say you select MMID Using).
--> Enter the beneficiary phone number.
--> Enter MMID provided by the beneficiary
--> Enter the amount that you need to pay or send or transfer
--> Click Send
--> Amount is transferred to the respective number.
--> Transaction completed.

This service can be used on both basic and smart phone too, not limited to only basic phones. However, there is basic charge which will done on your phone bill or amount for each transaction post Dec 31. This service is available 24/7.

Done.... It is quite easy.

To know more about digital payments and other options: Digital Payments


Author: K Mohan30 Dec 2016 Member Level: Platinum   Points : 1

Very useful article posted by the author and the additional information that by using USSD method we can even transact through regional languages would be benefiting a lot. But when I typed the matter on my phone to connect with my City Union Bank, the system does not recognizing the short word of my bank CUB and I went to the bank branch to facilitate me , they expressed their helplessness that they have not received any official communication from the RBI. So the government must further tune the banking operations in such a way that common man need not bother more with his cell phone on how to transfer money.

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