To promote digital transactions in rural and semi-urban areas, the RBI has issued a framework allowing offline payments up to ₹ 200 per transaction

Mumbai: Aiming to promote digital transactions in rural and semi-urban areas, the Reserve Bank of India (RBI) on Monday issued a framework allowing offline payments up to ₹ 200 per transaction, subject to an overall limit of ₹ 2,000.

An offline digital payment means a transaction that does not require internet or telecom connectivity.

Under the offline mode, payments can be carried out face-to-face (proximity mode) using any channel or instrument like cards, wallets, and mobile devices.

These transactions will not require an additional factor of authentication (AFA), the Reserve Bank of India said, adding that since the transactions are offline, alerts (by way of SMS and 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 ₹ 2,000 for all transactions until the balance in the account is replenished. Balance replenishment can only occur in an online mode," said the Framework for facilitating small value digital payments in offline mode.

The framework incorporates the feedback received from the pilot experiments on offline transactions conducted in different parts of the country during the period from September 2020 to June 2021, it said.

The offline mode of payment, the central bank said, can be enabled after obtaining the specific consent of the customer.

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