NPCI reportedly developing offline NFC tap-to-pay for UPI

NPCI is reportedly working on an NFC-based offline UPI payment feature for small-value transactions without internet connectivity, potentially serving use cases such as flights and underground metro networks. No official launch timeline has been announced.

— Filed Thu, 23 Jul, 2026, 16:42 IST · Source Business Today · Latest · Updated

NPCI is reportedly developing an NFC tap-to-pay feature for offline UPI transactions, enabling small-value payments without internet connectivity in settings such as flights and underground metro networks. NPCI has not officially announced the feature.

Why this matters

The reported offline NFC feature extends NPCI’s recent UPI infrastructure work, following signals on a possible ₹2,000 offline tap-to-pay limit and a unified agent protocol for AI bots to make UPI payments.

Omni-channel is steady at 1,432 signals in 90 days; no QoQ change figure was provided.