Live Application: offpay.vercel.app
Platforms: Android, iOS (Progressive Web App)
OffPay is a Progressive Web Application that makes offline digital payments accessible through India's *99# USSD payment system. While UPI has transformed digital payments in India, it requires constant internet connectivity. OffPay bridges this gap by enabling users to scan merchant QR codes and complete payments entirely offline, using only basic cellular network connectivity.
The application works by scanning standard UPI QR codes, extracting merchant details, and seamlessly connecting users to the *99# USSD payment interface—all without requiring an internet connection after the initial app load.
Demo Video
(Coming Soon)
India's *99# USSD payment system has been operational for years, embedded in over 300 million phones across all carriers. It enables payments with zero internet requirement, working on feature phones and smartphones alike. Despite this reach, adoption remains minimal.
The reason is simple: friction. To use *99# USSD, users need to memorize complex command sequences, manually type merchant UPI IDs, and navigate through multiple USSD menus. Even tech-savvy users find this cumbersome. For the average person making a payment at a local shop, it's simply not practical.
OffPay solves this by making the technology as simple as scanning a QR code—something millions of Indians already do daily for regular UPI payments.
At the heart of OffPay is its ability to scan and decode QR codes without any internet connection. When you open the camera, the app processes each video frame locally on your device, detecting and extracting UPI payment information in real-time. There are no server calls, no cloud processing delays, and no network dependency.
The scanner includes practical features for real-world use: automatic camera selection between front and back cameras, zoom controls for scanning distant or small QR codes, and continuous scanning that works in varying light conditions. For situations where camera scanning isn't feasible, users can upload QR code images directly from their gallery.
Standard UPI QR codes contain strings like upi://pay?pa=merchant@upi&pn=StoreName&am=100. OffPay automatically parses these strings to extract the merchant's UPI ID, name, transaction amount, and order references. This parsed information is then formatted for the *99# USSD system, eliminating manual data entry entirely.