Notes from the offline side.
How UPI works without internet, explained like a friend would. No jargon, no fluff.
Why Daak stopped using *99#
From version 1.5.0, Daak pays over UPI 123Pay on every SIM. On real phones *99# failed too often to trust with money. Here's what went wrong and what changes for you.
GuideHow to pay with UPI when there's no internet
No data, no Wi-Fi, still need to pay? Here's how UPI works offline over *99# and UPI 123Pay, which SIM uses which, and what you need to get started.
JioUPI 123Pay on Jio: the two-call payment, explained
Jio doesn't support *99#, so offline UPI on Jio runs over UPI 123Pay calls. What happens on each call, why it hangs up on you, and how to get it right the first time.
Explainer*99#, the payment menu hiding in your phone
*99# lets you send money and check your balance with no internet, using the same tech as your prepaid balance check. What it is, how it works, and the quirks to know before you rely on it.
PrivacyWhy Daak has no internet permission (and why that's the point)
A payments app that can't go online sounds odd. Here's why Daak removed internet access completely, what it does on your phone instead, and how to check it for yourself.
Behind the scenesYour bank's SMS is the receipt: how Daak knows you paid
Offline payments have no app server to confirm them. Daak uses the SMS your bank already sends. Here's how it reads those messages on your phone, matches them to your payment and shows a real receipt.