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Imagine finding yourself in a situation with no access to the internet and no cash on hand when you urgently need to make a payment. It could be while traveling in a remote area, inside a building with poor network reception, or during a crucial transaction where connectivity suddenly drops. In such critical moments, having the ability to make payments seamlessly, without relying on internet connectivity, becomes invaluable.
In the last few years, the National Payments Corporation of India (NPCI) has launched various products, aimed at digital transformation and inclusion. One of their recent releases to help with offline transactions is UPI Lite X – easy, hassle-free and quick.
Today’s blog delves into the basics of UPI Lite X.
As per NPCI, with UPI Lite X, you can make payments effortlessly even in areas with poor connectivity and unreliable networks. It’s incredibly straightforward – no internet connection is required on either your phone or the recipient’s. Whether you’re in a flight, a lift, or a basement, UPI Lite X allows seamless transactions. Debit from the sender’s bank and credit to the receiver’s bank are handled offline.
The person paying (payer) opens their mobile wallet app and chooses “Tap to Pay” as the payment method.
The payer enters the amount they want to send and confirms the transaction.
Depending on the system, the person receiving the payment (payee) might need to open their mobile wallet app to be ready to receive.
The payer taps their phone on the payee’s device to initiate the contactless payment.
The payer’s phone displays a message indicating a successful connection with the payee’s device.
The transaction is completed without requiring a PIN entry for smaller amounts.
The person making the payment (payer) opens their mobile wallet app and chooses “Tap to Pay” to proceed.
The payer enters the amount they want to send and confirms the transaction.
The payer taps their phone on the payee’s device (referred to here as a “Sound Box”) to send the money.
The payer’s phone displays a message confirming a successful transaction without requiring a PIN (only for smaller amounts, depending on security settings).
The Sound Box might provide an audio notification announcing the received amount (depending on its functionalities).
NPCI continues to redefine India’s digital payment landscape with innovations like UPI Lite X. It represents NPCI’s commitment to empowering individuals and businesses alike, making financial transactions seamless and transformative.
Here’s to NPCI’s innovations serving as catalysts for progress in the digital economy, where every transaction fuels empowerment and connectivity.