RBI Allows Offline Digital Payments without Internet and Telecom Connectivity!
The Reserve Bank of India (RBI) announced on 3rd Jan 2022, a framework for carrying out Offline Digital Payments in India. According to it, you can use any channel or instrument like Cards, Wallets, Mobiles, etc for offline payments. Also, the sender and receiver should be in proximity i.e. face2face to carryout this type of transaction. Thus, now you will be able to do transactions without an internet connection and telecom connectivity.
RBI has asked authorized payment system operators (PSOs) and payment system participants (PSPs) including banks to comply with this framework for enabling offline payment transfers. Thus, soon Paytm, Google Pay, Amazon Pay, PhonePe, PayZapp, and others will come up with their offline payment services.
You can do an offline payment of max ₹200 per transaction. The maximum amount you can use for offline payments is capped to ₹2000 per payment instrument. If you want to use more than this then you need to shift to online payments with additional factor authentication (AFA).
It is not compulsory for PSOs and PSPs to send every transaction alert immediately via SMS. However, they need to show users a statement kind of thing. Also, they will be responsible for technical and transactional security.
RBI releases Framework for Facilitating Small Value Digital Payments in Offline Modehttps://t.co/GfEeWXkBoZ
— ReserveBankOfIndia (@RBI) January 3, 2022
This move by RBI is mainly to facilitate digital/cashless transactions in rural and semi-urban regions of the country because Internet is still scarce there. With telecom operators such as Jio, Vi, and Airtel increasing their tariffs by 25-30%, people using internet just for small online transactions might benefit from this scheme.
What are your views on this Offline Digital Payments service? Will it prove fruitful for urban area users? Please do share with us below. You can also read our article on 7 Easy Steps to make an Online Payment without Internet.
Thats great. There were some instances in past where I was not able to pay at merchant because of poor internet connectivity. So maybe in future it will be very beneficial
I hope phone illiterate people don’t get scammed with this.
a country like India could suffer from this. Especially in rural areas!
Sidhu634 wrote:Thats great. There were some instances in past where I was not able to pay at merchant because of poor internet connectivity. So maybe in future it will be very beneficial
dukaan wala abhi bhi ye hi bolega are bhaiji mjhe ni aaye paise aap ya to dubara payment kro ya gazar ka halwa yahi chodd k jao. Aache khase mood ki bhujiya kr dete h
chota_chattri wrote:dukaan wala abhi bhi ye hi bolega are bhaiji mjhe ni aaye paise aap ya to dubara payment kro ya gazar ka halwa yahi chodd k jao. Aache khase mood ki bhujiya kr dete h
Mood ki bhujia and gajar ka halwa 
I got only 234 views within a day - https://www.desidime.com/discussions/rbi-allows...
and you got 902 views within an hour. 😀
abhishek012 wrote:I got only 234 views within a day - https://www.desidime.com/discussions/rbi-allows...
and you got 902 views within an hour. 😀
Sidhu634 wrote:Thats great. There were some instances in past where I was not able to pay at merchant because of poor internet connectivity. So maybe in future it will be very beneficial
Cash ?
People assuming how this will turn out, try *99# on your non jio phones(need 0.5 rs as balance)
Great news. It opens up new avenues and comfort. Every change requires time for absorption in India. UPI, one such change took about 3 years. Who thought that one could pay ₹1.25 using phone! Now ₹3 Lakh Cr/month is being transacted through it. Bhutan has now adopted our system and the US is discussing to implement similar thing there.
Offline transactions would be a game changer for sure.
abhishek012 wrote:I got only 234 views within a day - https://www.desidime.com/discussions/rbi-allows...
and you got 902 views within an hour. 😀
karm karo, phal ki chinta mat karo
Kochiro wrote:People assuming how this will turn out, try *99# on your non jio phones(need 0.5 rs as balance)
yes, it’s been for ages(possible when UPI launched),actually i used to do this whenever there’s no internet connection & people wonder how could this even be possible:)
issu wrote:yes, it’s been for ages(possible when UPI launched),actually i used to do this whenever there’s no internet connection & people wonder how could this even be possible:)
Forget about *99#, here is the another method coming soon - https://www.desidime.com/discussions/live-demo-...
How to attach UPI Sim Overlay Card in your sim card, watch this video,
Live Demo Video – Use UPI on any feature phone without internet (Step 1) -
UPI Payment on Feature Phones without Internet (Step 2)-
UPI Registration and Transaction on Feature Phone without Internet -
abhishek012 wrote:Forget about *99#, here is the another method coming soon - https://www.desidime.com/discussions/live-demo-...
How to attach UPI Sim Overlay Card in your sim card, watch this video,
Live Demo Video – Use UPI on any feature phone without internet (Step 1) -
UPI Payment on Feature Phones without Internet (Step 2)-
UPI Registration and Transaction on Feature Phone without Internet -
bro if I try *99# in my registered jio number it shows connection problem or invalid does this won’t work in jio?
MONISH_RAI wrote:bro if I try *99# in my registered jio number it shows connection problem or invalid does this won’t work in jio?
*99# USSD is currently not supported on 4G technology in India.
Airtel 4G & Vi 4G also not supported *99# USSD,
when you dial *99# from your Airtel/VI 4G network, Airtel/VI auto switches to 2G network and your *99# works. 😀
Jiophone user use UPI on Jio UPI app.
abhishek012 wrote:*99# USSD is currently not supported on 4G technology in India.
Airtel 4G & Vi 4G also not supported *99# USSD,
when you dial *99# from your Airtel/VI 4G network, Airtel/VI auto switches to 2G network and your *99# works. 😀
Jiophone user use UPI on Jio UPI app.
thanks for the info bro😇
abhishek012 wrote:Forget about *99#, here is the another method coming soon - https://www.desidime.com/discussions/live-demo-...
How to attach UPI Sim Overlay Card in your sim card, watch this video,
Live Demo Video – Use UPI on any feature phone without internet (Step 1) -
UPI Payment on Feature Phones without Internet (Step 2)-
UPI Registration and Transaction on Feature Phone without Internet -
I guess this is also not supported in jio
Kochiro wrote:I guess this is also not supported in jio
Sim overlay technology support on 4G network.
Main purpose of using UPI on Sim overlay technology to help rural India, Africa & other Asian countries population. Where dnt have any Internet connectivity.
Voice based UPI payment also coming soon.
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