NPCI is developing an offline NFC-based UPI feature that enables tap-and-pay transactions of up to ₹2,000 without internet connectivity
UPI now powers billions of low-value transactions every month. Offline payments can make everyday purchases faster, simpler and more reliable
The feature can improve payments in metros, flights, rural areas and disaster-hit regions, while helping merchants continue business during network outages
Offline verification creates risks such as delayed settlement, double spending, merchant disputes and misuse of lost or stolen devices
Global experience shows payment innovation must be backed by strong authentication, transaction limits, fraud monitoring and effective consumer protection
Extensive pilots, robust cybersecurity standards and swift grievance redress should precede a nationwide rollout. Trust will determine offline UPI's success