mumbai reserve bank of india rbi has allowed all payment providers to facilitate smallticket payments up to rs 200 digitally without internet or telecom connectivity and without additional factor authentication the payments can be done through any secure instrument including cards wallets or mobile phoneswhile there is no compulsion for sending an alert for each transaction providers will have to convey details of each transactionaccording to payment service providers this would be similar to how payments are made for transportation like in urban metros through a prepaid walletsince the transactions are offline alerts by way of sms and or email will be received by the customer after a time lag transactions are subject to a limit of rs 200 per transaction and an overall limit of rs 2000 for all transactions until balance in the account is replenished balance replenishment can only occur in an online mode rbi said in a statementfor banks the main advantage of such a system is that it will ease the pressure on their corebanking systems and on other infrastructuretoday if a customer sends even one rupee using unified payment interface it hits the banks cbs also it increases the number of entries in a customers passbook or monthly statement manifold the offline lowvalue transactions will take place through a wallet this will also help small businesses that are located in areas with poor telecom networkoffline mode of payment can be enabled only after obtaining specific consent of the customer customers shall enjoy protection under the provisions of circulars limiting customer liability issued by the rbi customers also have recourse to the reserve bank integrated ombudsman scheme for grievance redress rbi said rbis concept of limited liability ensures that customer does not lose money once he notifies the bank that their card is lost