NPCI is developing an NFC-based Tap-to-Pay UPI feature that will allow users to make offline payments up to ₹2,000 without an internet connection.
Key Highlights
- NPCI is working on an offline Tap-to-Pay UPI feature.
- Payments up to ₹2,000 can be made without internet.
- Uses NFC (Near Field Communication) technology.
- Payment details will sync automatically once internet is available.
- Designed for NFC-enabled smartphones and compatible PoS terminals.
- Expected to improve payments in metros, flights and remote areas.
- Eliminates the need for QR code scanning during offline payments.
- Aims to make UPI faster, more convenient and accessible.
Offline UPI Payments Coming Soon
India’s digital payments ecosystem is set to become even more convenient as the National Payments Corporation of India (NPCI) develops a new Tap-to-Pay UPI feature that will enable offline transactions using Near Field Communication (NFC) technology.
The upcoming feature will allow users to simply tap their NFC-enabled smartphone on a compatible Point-of-Sale (PoS) terminal to complete a payment without requiring an active internet connection.
Offline Payments Up to ₹2,000
Under the proposed system, users will be able to make offline UPI payments of up to ₹2,000.
Instead of verifying the transaction online, the payment authorization will be securely stored on the device and automatically synchronized once internet connectivity is restored. This ensures uninterrupted digital payments even in areas with poor or no network coverage.
Ideal for Low-Network Locations
The feature is expected to be especially useful in locations where internet connectivity is unreliable, including:
- Underground metro stations
- Flights
- Remote and rural areas
- Basements and parking facilities
- Crowded public events
It will also offer merchants a quicker and more seamless contactless payment experience by removing the need to scan QR codes or wait for network connectivity.
Rollout Expected After Certification
Before the nationwide rollout, NPCI is expected to certify compatible merchant PoS terminals to ensure secure and reliable transactions.
Once launched, the offline Tap-to-Pay feature is expected to strengthen India’s digital payments ecosystem by making UPI more accessible, faster and dependable even without internet access.
