Cash is not in pocket, UPI’s server is crash, yet how to pay? Learn way

The UPI service has been down 3 times in the last two weeks, due to which crores of users are facing trouble. Due to the increasing trend of digital payment, the number of UPI users is increasing day by day, due to which the server is repeatedly crashing. According to the recent data of NPCI, more than 4 lakhs per minute in India and about 2.3 crore UPI transactions are being done every hour. The dependence of the people on UPI can be gauged from the fact that most people have now stopped keeping cash in the wallet or are keeping very few cash.

Last Saturday, users got upset due to problems in UPI server. Due to the long -term UPI malfunction, people could not pay in shopping malls, restaurants etc. Even if there is no cash in your pocket and the UPI server crashes, you can make digital payment in these ways.

Use UPI Lite

NPCI started the UPI Lite Service a few years ago, through which the user does not need to stay online to pay. If your phone is in a bad network area or there is no network in mobile, you can still make UPI payment using this feature. UPI Lite acts like a digital wallet, in which you can top-up up to a maximum of Rs 4,000 daily. However, through this you can pay up to a maximum of Rs 500 at a time. Earlier this limit was up to Rs 200.

You get this facility in UPI apps like Google Pay, PhonePe, Paytm. In this, you will be able to make UPI payment without network by scanning the QR code of the receiver. If the net is not running in the mobile or the server is down, then your payment receiver will get. This payment is updated to the account of the receiver after the internet connectivity or the server is updated. NPCI has launched this feature, especially for the people of those areas where there is no better internet connectivity. Not only this, UPI PIN is also not required to pay through this feature.

Offline payment will be done through NFC

In many apps including Google Pay, you can add your credit card or debit card. You will also be able to pay the receiver offline through NFC i.e. Near Field Communication present in your phone. However, for this the receiver also has a POS machine with NFC feature, which supports NFC. By doing this, you can enjoy digital payment without internet. The payment will be updated in the accounts of those who send and receive the device online.

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