MUMBAI — The National Payments Corporation of India (NPCI) is developing a zero-internet Unified Payments Interface (UPI) payment feature utilizing Near-Field Communication (NFC) technology. According to industry reports, the new system will enable users to tap their NFC-enabled smartphones on certified Point-of-Sale (PoS) terminals to execute transactions up to ₹2,000 without requiring an active mobile network, Wi-Fi, or a UPI PIN.

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The development addresses a key limitation in digital payment reliability across low-connectivity environments such as underground metro lines, high-altitude regions, and aircraft cabins.

1. Technical Mechanics: How Offline NFC UPI Works

Unlike standard online UPI transfers that query core banking systems (CBS) in real time, the proposed system relies on a localized store-and-forward architecture:

📲 Offline NFC Payment Flow:
 1. Pre-Load Funds  ➔ Load cash into on-device UPI Lite wallet while online.
 2. Tap at Terminal ➔ Tap NFC phone on NPCI-certified merchant PoS device.
 3. Auth Storage    ➔ Terminal captures authorization locally (No PIN needed).
 4. Auto-Settlement ➔ Terminal forwards transaction data when network restores.

2. Comparing India’s Offline Payment Channels

While existing offline mechanisms like USSD codes (*99#) and voice-guided IVR (UPI 123Pay) enable transfers on basic feature phones, they still require cellular network signals. The new NFC framework removes telecom signal dependencies entirely during the transaction.

Implementation & Certification Timeline

Key operational stages for rolling out offline PoS payment infrastructure across merchant networks:

Operational Context: The proposed ₹2,000 limit expands on NPCI’s earlier peer-to-peer UPI Lite X framework by extending full offline merchant acceptance to standard commercial PoS hardware.

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The post NPCI Developing Offline NFC Tap-to-Pay for UPI Transactions Up to ₹2,000 first appeared on Rightsofemployees.com.

In the meeting, the limit of UPI Lite wallet has been increased from Rs 2,000 to Rs 5,000. At the same time, the transaction limit from UPI 123pay has been increased from Rs 5,000 to Rs 10,000. That is, now you can make payments of up to Rs 5,000 from UPI Lite wallet.

What is UPI 123 Pay feature?

UPI 123Pay is an instant payment system for feature phone users who can use UPI payments in a secure and reliable way. Through UPI 123Pay, phone users can make different types of transactions based on four technology options. These include calling an IVR number, app functionality in feature phones, missed call-based and proximity sound based payments.

You can pay tax up to Rs 5 lakh through UPI

Apart from this, the Reserve Bank has also increased the limit for paying tax through UPI. Reserve Bank Governor Shaktikanta Das said that now the limit for paying tax through UPI is being increased from Rs 1 lakh to Rs 5 lakh per transaction.

The use of UPI will increase further

According to the PwC India report, by 2028-29, the total transactions on UPI will reach 439 billion from the current 131 billion. This shows that there is a possibility of a 91 percent increase in digital payments.

This announcement was made regarding NBFC

RBI has also issued new guidelines for banks and NBFCs regarding non-business floating rate loans. He said that banks and NBFCs cannot charge foreclosure charges and prepayment penalty on non-business floating rate loans. Meanwhile, he also said that the financial position of banks and NBFCs is strong. Banks and NBFCs should assess the exposure at a personal level. However, there is concern about the growth of some NBFCs.

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The post New UPI transaction limits announced! Check new per transaction limits for UPI Lite Wallet & UPI 123Pay first appeared on Rightsofemployees.com.

Transactions through UPI are increasing continuously in India. For small transactions, the Reserve Bank of India launched UPI Lite in September 2022. Now RBI has given a big relief to UPI Lite users. Now users will get rid of the hassle of repeatedly putting money in their wallet. After the meeting of the Monetary Review Committee today, Reserve Bank Governor Shaktikanta Das announced that now the facility of auto replenishment will also be available in UPI Lite Wallet.

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Shaktikanta Das said, “In view of the large scale use of UPI Lite, it has now been proposed to bring it under the e-mandate framework and a new service has been introduced to automatically recharge the wallet of the customer when the UPI Lite wallet balance goes below the threshold limit.” This means that the user will not have to add money to the wallet again and again. As soon as the wallet balance goes below the minimum limit, money will be automatically credited to the wallet. This service will not start automatically, but the user will have to start it.

UPI Lite was launched

in September 2022 to simplify the transaction process with UPI. Transactions with UPI have increased in the last few years. UPI is also used by small to big vendors. About half of the total UPI transactions across the country are of Rs 200 and less value. Due to this, payments get stuck many times due to increased traffic. Apart from this, it also takes time to add PIN and follow other processes in UPI. Therefore, UPI Lite was introduced for payment of small amounts and to reduce traffic in banks.

Can make payments up to Rs 500

UPI Lite allows users to transact using an ‘on-device’ wallet, not a linked bank account. This means that you can do it as quickly as possible by just using the wallet, without going through the bank. In this, the NPCI Common Library (CL) app is used. In this, payments of less than Rs 500 can be made. Only up to Rs 500 can be paid at a time.

The post RBI permits automatic replenishment of UPI Lite wallet first appeared on Rightsofemployees.com.