Payment applications are highly secured, and accessing that requires a lot of security measures. Of course, PhonePe also has such security guidelines while installing as well as making payments. As such, you can also use PhonePe without your SIM card. But of course there will be certain limitations or barriers you want to overcome with some workarounds. This article will help you understand the method for the same.
How does PhonePe work?
One must understand the way the payment application works. To access a payment application, your bank account must be connected to a phone number. That means to say, a registered phone number to your bank account is a must as you use the payment application. The authentication, verification, and functionalities all are dependent on the phone number. So, as you download and install PhonePe, it will verify the bank account only through your cellphone. So, there is no other way, you can install the application without a SIM card on your phone.
Install and set up Phonepe
- Download PhonePe from Google PlayStore.
- Open the Application and click on Menu.
- You will find the Bank account section, click on that.
- You will have the list of banks popping up, select the bank in which you would want to register with Phonepe.
- As you do this, Phonepe runs at the backend and fetches the account details and connects it with the Application.
- Phonepe will initiate the UPI PIN set procedure. Set the PIN.
- Now, the application will ask for the last 6 digits of the Debit card connected to the bank account. It also asks for the expiry date of the debit card. Enter them to authenticate your bank account.
- Your phone will receive an OTP to confirm the UPI PIN and activating Phonepe for your bank account.
- Now, the bank account is added successfully.
- You can start transacting through Phonepe now.
As you start using the application, it will ask for the UPI PIN every time you send money to someone or make any bill payments too. That means to say, without your authentication, none can use the payment application. Of course, unless none knows the UPI PIN. Keep it secured.
How to Use Phonepe Without a SIM Card?
As such, you cannot install Phonepe without a SIM card. There are no bypass methods for it. But, once it is installed on your smartphone, you can use it to make payments if there is an internet connection.
We must also understand that these applications work on the internet. So, the SIM card gives you access and that’s why we use it to access the apps available on the phone. An alternative way to access the apps is to connect the phone with the Wi-fi source and use the phone without a SIM card.
As you connect the phone to the internet, you can make payments using PhonePe. All you require is the UPI PIN that you have set. However, you can make only payments that you initiate. The phone number that you used to install and authenticate the bank account will be the one that will receive the message of the transaction. At the same time, the notification from the Phonepe app reaches your phone without the SIM card.
However, there might be instances where the application shall check for the SIM card and initiate authentication once again. At this point, please insert the SIM card that has the phone number connected to the bank account and authenticate it. We would like to tell you that, once the SIM card is taken off from the cellphone and if you continue to use PhonePe, it is risky. Please be careful as if anyone knows your UPI PIN can access the application to make payments.