<\/span><\/h2>\n\n\n\nThink about a familiar situation.<\/p>\n\n\n\n
You are standing at a billing counter. Your mobile network is weak, mobile data is not working, or your phone cannot establish a reliable internet connection.<\/p>\n\n\n\n
Normally, this can interrupt a UPI payment before it even begins.<\/p>\n\n\n\n
If the smartphone supports Near Field Communication (NFC)<\/strong> and the merchant has a compatible NFC-enabled POS terminal, the user can simply:<\/p>\n\n\n\nUnlock the phone \u2192 Tap the POS terminal \u2192 Complete the payment<\/strong><\/p>\n\n\n\nThere is no need to depend on the customer’s mobile-data connection for the transaction to be processed.<\/p>\n\n\n\n
The POS terminal uses its own internet connectivity to communicate with the payment network.<\/p>\n\n\n\n<\/span>How Does UPI Tap & Pay Work Without Mobile Internet?<\/span><\/h2>\n\n\n\nThe technology behind the tap is NFC, or Near Field Communication<\/strong>.<\/p>\n\n\n\nNFC allows compatible devices placed very close to each other to communicate wirelessly.<\/p>\n\n\n\n
In this payment flow, the customer brings an NFC-enabled smartphone close to a compatible NFC-enabled POS terminal.<\/p>\n\n\n\n
The tap initiates the payment interaction between the two devices.<\/p>\n\n\n\n
The important difference is where the network connection comes from.<\/p>\n\n\n\n
Customer’s phone:<\/strong> Mobile internet is not requiredMerchant POS terminal:<\/strong> Internet connectivity is requiredConnection between phone and POS:<\/strong> NFC<\/p>\n\n\n\nThis distinction is important.<\/p>\n\n\n\n
UPI Tap & Pay should not be confused with a completely internet-free payment system where neither device requires connectivity.<\/p>\n\n\n\n
<\/span>Payments Up to \u20b95,000 Without UPI PIN<\/span><\/h2>\n\n\n\nNPCI has also simplified the experience for smaller payments.<\/p>\n\n\n\n
Users can make eligible UPI Tap & Pay transactions of up to \u20b95,000 without entering a UPI PIN<\/strong>, according to reports on the announcement.<\/p>\n\n\n\nFor payments above \u20b95,000, additional PIN authentication is required.<\/p>\n\n\n\n
This makes the payment journey considerably shorter for everyday transactions.<\/p>\n\n\n\n
Instead of:<\/p>\n\n\n\n
Open app \u2192 Scan QR \u2192 Wait for network \u2192 Enter amount \u2192 Enter UPI PIN \u2192 Pay<\/strong><\/p>\n\n\n\nthe new experience can become:<\/p>\n\n\n\n
Unlock \u2192 Tap \u2192 Pay<\/strong><\/p>\n\n\n\n<\/span>Where Could Payments Without Mobile Internet Be Useful?<\/span><\/h2>\n\n\n\nThe feature could be particularly useful in locations where customers frequently experience unstable mobile connectivity.<\/p>\n\n\n\nA customer may have a perfectly functional bank account and UPI setup, but a weak mobile-data connection can still delay the payment experience.<\/p>\n\n\n\n
By shifting the connectivity requirement from the customer’s phone to the POS terminal, UPI Tap & Pay can reduce that dependency.<\/p>\n\n\n\n
<\/span>What Do You Need to Use It?<\/span><\/h2>\n\n\n\nNot every smartphone or payment terminal will automatically support UPI Tap & Pay.<\/p>\n\n\n\n
For the experience to work, the payment setup needs to be compatible.<\/p>\n\n\n\n
<\/span>An NFC-enabled smartphone<\/span><\/h3>\n\n\n\nThe customer’s device must support NFC technology.<\/p>\n\n\n\n
<\/span>A supported UPI payment setup<\/span><\/h3>\n\n\n\nSupport will depend on participating banks, UPI applications and payment providers as the capability becomes available to users.<\/p>\n\n\n\n
<\/span>A compatible NFC-enabled POS terminal<\/span><\/h3>\n\n\n\nThe merchant’s POS terminal must support the new Tap & Pay experience.<\/p>\n\n\n\n
<\/span>POS internet connectivity<\/span><\/h3>\n\n\n\nAlthough the customer’s phone does not require mobile internet, the newly announced payment flow relies on the POS terminal’s connectivity to process the transaction.<\/p>\n\n\n\n
At launch, Deccan Founders reported support from 32 banks, 15 UPI apps, eight acquirers and aggregators, and 18 payment service providers<\/strong>.<\/p>\n\n\n\n<\/span>Does It Work in Airplane Mode?<\/span><\/h2>\n\n\n\nCoverage of the launch specifically notes use in low- or no-network conditions on the customer’s smartphone, including scenarios where mobile connectivity is unavailable.<\/p>\n\n\n\n
However, the important requirement remains the same:<\/p>\n\n\n\n
The compatible POS terminal must have the connectivity required to process the transaction.<\/strong><\/p>\n\n\n\nSo, rather than thinking of the feature as completely \u201coffline UPI,\u201d a more accurate description is:<\/p>\n\n\n\n
UPI payment without mobile internet on the customer’s phone.<\/strong><\/p>\n\n\n\n<\/span>Why Is This Important?<\/span><\/h2>\n\n\n\nMobile connectivity has always been one of the practical dependencies of digital payments.<\/p>\n\n\n\n
Even in cities with strong network coverage, indoor environments, crowded locations and network congestion can sometimes make a simple payment take longer than expected.<\/p>\n\n\n\n
UPI Tap & Pay changes where that connectivity dependency sits.<\/p>\n\n\n\n
For customers, that means fewer situations where a payment is delayed simply because their phone cannot get a reliable network connection.<\/p>\n\n\n\n
And because NFC only requires the user to bring the phone close to the terminal, the experience becomes closer to the familiar contactless-card interaction.<\/p>\n\n\n\n
<\/span>From Scan & Pay to Tap & Pay<\/span><\/h2>\n\n\n\nQR codes made UPI payments simple:<\/p>\n\n\n\n
Scan. Enter. Pay.<\/strong><\/p>\n\n\n\nUPI Tap & Pay takes another step toward making physical-store payments even more effortless:<\/p>\n\n\n\n
Unlock. Tap. Pay.<\/strong><\/p>\n\n\n\nThe most important change isn’t simply replacing a QR scan with a tap.<\/p>\n\n\n\n
It is making the customer’s mobile internet connection less critical at the exact moment a payment needs to happen<\/strong>.<\/p>\n\n\n\nFor millions of everyday transactions at physical stores, that small change could make the checkout experience significantly smoother.<\/p>\n\n\n\n
As digital payments continue to evolve, the best payment experience may increasingly be the one customers barely have to think about.<\/p>\n\n\n\n
No mobile internet on your phone. No QR scan. Just tap and pay.<\/strong><\/p>\n\n\n\n<\/p>\n","protected":false},"excerpt":{"rendered":"
Paying through UPI at a store could soon become as simple as unlocking your phone and tapping it on a payment terminal \u2014 even when your phone has no mobile internet. The National Payments Corporation of India (NPCI) has introduced UPI Tap & Pay, a contactless payment experience that enables users with NFC-enabled smartphones to<\/p>\n","protected":false},"author":1,"featured_media":11393,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[283],"tags":[],"class_list":["post-11382","post","type-post","status-publish","format-standard","has-post-thumbnail","category-upi-payment"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.accosis.com\/blog\/wp-json\/wp\/v2\/posts\/11382","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.accosis.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.accosis.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.accosis.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.accosis.com\/blog\/wp-json\/wp\/v2\/comments?post=11382"}],"version-history":[{"count":2,"href":"https:\/\/www.accosis.com\/blog\/wp-json\/wp\/v2\/posts\/11382\/revisions"}],"predecessor-version":[{"id":11389,"href":"https:\/\/www.accosis.com\/blog\/wp-json\/wp\/v2\/posts\/11382\/revisions\/11389"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.accosis.com\/blog\/wp-json\/wp\/v2\/media\/11393"}],"wp:attachment":[{"href":"https:\/\/www.accosis.com\/blog\/wp-json\/wp\/v2\/media?parent=11382"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.accosis.com\/blog\/wp-json\/wp\/v2\/categories?post=11382"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.accosis.com\/blog\/wp-json\/wp\/v2\/tags?post=11382"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}