The Reserve Bank of India (RBI) has announced the release of a "framework for facilitating small value digital payments in offline mode." The framework is available on the central bank's website. The RBI said in a statement that "the framework integrates feedback collected from pilot tests on offline transactions performed in various parts of the nation from September 2020 to June 2021."

A transaction that does not require internet or telecom connectivity is referred to as an offline digital payment. Such payments can now be made face-to-face (proximity mode) via any channel or instrument, such as cards, wallets, mobile devices, and so on. An Additional Factor of Authentication (AFA) would not be required for such transactions.

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Because the transactions are offline, the consumer will receive alerts (through SMS and/or e-mail) after a period of time. Until the account balance is replenished, transactions are subject to a limit of Rs 200 per transaction and an aggregate maximum of Rs 2000 for all transactions. Only in an online mode can you recharge your balance.

Only after receiving the customer's explicit consent may the offline method of payment be activated. Customers would be protected by the terms of Reserve Bank of India circulars restricting customer responsibility (as amended from time to time). Customers can also file a complaint with the Reserve Bank's Integrated Ombudsman Scheme.