Framework for facilitating small value digital payments in offline mode

With an objective of giving push to digital transactions, especially in areas with poor or weak internet or telecom connectivity (semi-urban/rural areas); RBI has today placed on its website the ‘Framework for facilitating small value digital payments in offline mode’ effective immediately.  

Key features:

An offline digital payment does not require internet or telecom connectivity;

Payments can be carried out face-to-face (proximity mode) using any channel or instrument like cards, wallets, mobile devices, etc;

No Additional Factor of Authentication required.  Alerts by way of SMS and / or e-mail will be received by the customer after a time lag.

Transactions are subject to a limit of ₹200 per transaction and an overall limit of ₹2000 for all transactions until balance in the account is replenished;  
Balance replenishment can only occur in an on-line mode;

Customers shall enjoy protection under the provisions of circulars limiting customer liability issued by RBI and will also have recourse to Ombudsman;

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