(c) "An offline payment means a transaction which does not require internet or telecom connectivity to take effect. Authorised Payment System Operators (PSOs) and Payment System participants (PSPs)-Acquirers and Issuers

The Service Providers are to comply with the following requirements of the Reserve Bank of India: Offline payments may be made using any channel or instrument like cards, wallets, mobile devices, etc. Offline payments shall be made in proximity (face to face) mode only. Offline payment transactions may be offered without an Additional Factor of Authentication (AFA). Payment instructions shall be enabled for offline transactions based on explicit consent of the customer. Such transactions using cards shall be allowed without a requirement to switch on the contactless transaction channel. The upper limit of an offline payment transaction shall be ₹200. The total limit for off-line transactions on a payment instrument shall be ₹2,000 at any point in time. Replenishment of the used limit shall be allowed only in online mode with AFA. The issuer shall send transaction alerts to users as soon as transaction details are received. There is no compulsion to send an alert for each transaction; however, details of each transaction shall be adequately conveyed. The acquirer shall incur all liabilities arising out of technical or transaction security issues at merchant's end. Offline payments shall be covered under the provisions of RBI's limited customer liability circulars of Master Direction on Prepaid Payment Instruments dated August 27, 2021. The customers shall have recourse to the Reserve Bank-Integrated Ombudsman Scheme, as applicable, for grievance redressal. Reserve Bank retains the right to stop or modify the operations of any such payment solution that enables small value digital payments in offline mode.